Call reports 2005
F&M BANK — 2005
What F&M BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 335,160,000 | 354,669,000 | 353,710,000 | 360,973,000 |
| Total loans | 270,458,000 | 300,228,000 | 299,432,000 | 312,901,000 |
| Allowance for loan losses | 2,666,000 | 2,897,000 | 2,990,000 | 3,130,000 |
| Securities available for sale | 21,960,000 | 22,683,000 | 20,819,000 | 19,144,000 |
| Securities held to maturity | 242,000 | 163,000 | 163,000 | 82,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,142,000 | 291,578,000 | 304,671,000 | 303,899,000 |
| Interest-bearing deposits | 247,938,000 | 242,493,000 | 249,424,000 | 251,622,000 |
| Noninterest-bearing deposits | 47,204,000 | 49,085,000 | 55,247,000 | 52,277,000 |
| Equity capital | 35,220,000 | 35,989,000 | 36,954,000 | 36,102,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,476,000 | 9,395,000 | 14,780,000 | 20,503,000 |
| Interest expense | 1,242,000 | 2,600,000 | 4,270,000 | 6,161,000 |
| Net interest income | 3,234,000 | 6,795,000 | 10,510,000 | 14,342,000 |
| Noninterest income | 857,000 | 1,796,000 | 2,825,000 | 3,928,000 |
| Noninterest expense | 3,139,000 | 6,377,000 | 9,716,000 | 13,276,000 |
| Provision for loan losses | 0 | 252,000 | 358,000 | 563,000 |
| Pretax income | 952,000 | 1,962,000 | 3,261,000 | 4,431,000 |
| Income tax | 283,000 | 582,000 | 968,000 | 1,334,000 |
| Net income | 669,000 | 1,380,000 | 2,293,000 | 3,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,294,000 | 36,005,000 | 37,017,000 | 36,196,000 |
| Total capital | 37,973,000 | 38,916,000 | 40,020,000 | 39,341,000 |
| Risk-weighted assets | 295,364,000 | 319,566,000 | 327,459,000 | 341,450,000 |