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 | 76,492,000 | 75,861,000 | 73,308,000 | 75,427,000 |
| Total loans | 24,977,000 | 25,278,000 | 25,733,000 | 26,381,000 |
| Allowance for loan losses | 190,000 | 190,000 | 190,000 | 190,000 |
| Securities available for sale | 47,970,000 | 47,794,000 | 44,524,000 | 45,547,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,553,000 | 63,730,000 | 60,394,000 | 63,443,000 |
| Interest-bearing deposits | 57,255,000 | 56,837,000 | 53,488,000 | 54,411,000 |
| Noninterest-bearing deposits | 8,299,000 | 6,894,000 | 6,906,000 | 9,032,000 |
| Equity capital | 10,571,000 | 10,777,000 | 10,703,000 | 10,711,000 |
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 | 825,000 | 1,693,000 | 2,542,000 | 3,422,000 |
| Interest expense | 239,000 | 499,000 | 793,000 | 1,122,000 |
| Net interest income | 586,000 | 1,194,000 | 1,749,000 | 2,300,000 |
| Noninterest income | 60,000 | 120,000 | 180,000 | 252,000 |
| Noninterest expense | 373,000 | 746,000 | 1,117,000 | 1,474,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 273,000 | 568,000 | 745,000 | 1,078,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 273,000 | 568,000 | 745,000 | 1,078,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,883,000 | 10,974,000 | 10,946,000 | 11,073,000 |
| Total capital | 11,073,000 | 11,164,000 | 11,136,000 | 11,263,000 |
| Risk-weighted assets | 37,254,000 | 37,908,000 | 37,580,000 | 38,880,000 |