Call reports 2006
F&M BANK — 2006
What F&M BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 380,845,000 | 391,297,000 | 405,561,000 | 415,002,000 |
| Total loans | 331,953,000 | 341,004,000 | 357,370,000 | 370,279,000 |
| Allowance for loan losses | 3,321,000 | 3,384,000 | 3,559,000 | 3,704,000 |
| Securities available for sale | 18,598,000 | 18,076,000 | 14,832,000 | 11,004,000 |
| Securities held to maturity | 83,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 315,497,000 | 321,274,000 | 338,788,000 | 339,976,000 |
| Interest-bearing deposits | 260,703,000 | 268,586,000 | 283,068,000 | 286,009,000 |
| Noninterest-bearing deposits | 54,794,000 | 52,688,000 | 55,720,000 | 53,967,000 |
| Equity capital | 36,801,000 | 37,842,000 | 39,146,000 | 37,759,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,104,000 | 12,790,000 | 20,074,000 | 27,497,000 |
| Interest expense | 2,225,000 | 4,854,000 | 7,816,000 | 10,850,000 |
| Net interest income | 3,879,000 | 7,936,000 | 12,258,000 | 16,647,000 |
| Noninterest income | 989,000 | 2,074,000 | 3,095,000 | 4,078,000 |
| Noninterest expense | 3,667,000 | 7,114,000 | 10,868,000 | 15,198,000 |
| Provision for loan losses | 203,000 | 315,000 | 455,000 | 774,000 |
| Pretax income | 998,000 | 2,581,000 | 4,034,000 | 4,758,000 |
| Income tax | 301,000 | 779,000 | 1,217,000 | 1,569,000 |
| Net income | 697,000 | 1,802,000 | 2,817,000 | 3,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,861,000 | 37,898,000 | 39,158,000 | 37,755,000 |
| Total capital | 40,198,000 | 41,297,000 | 42,732,000 | 41,475,000 |
| Risk-weighted assets | 359,708,000 | 369,543,000 | 383,581,000 | 392,721,000 |