Call reports 2007
F&M BANK — 2007
What F&M BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 |
|---|---|
| Total assets | 421,917,000 |
| Total loans | 379,040,000 |
| Allowance for loan losses | 3,740,000 |
| Securities available for sale | 10,869,000 |
| Securities held to maturity | 0 |
| Trading assets | 0 |
| Total deposits | 364,588,000 |
| Interest-bearing deposits | 309,630,000 |
| Noninterest-bearing deposits | 54,958,000 |
| Equity capital | 38,683,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 |
|---|---|
| Interest income | 7,498,000 |
| Interest expense | 3,196,000 |
| Net interest income | 4,302,000 |
| Noninterest income | 835,000 |
| Noninterest expense | 3,833,000 |
| Provision for loan losses | 175,000 |
| Pretax income | 1,129,000 |
| Income tax | 351,000 |
| Net income | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 |
|---|---|
| Tier 1 capital | 38,663,000 |
| Total capital | 42,419,000 |
| Risk-weighted assets | 401,244,000 |