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 | 75,968,000 | 75,743,000 | 75,957,000 | 78,005,000 |
| Total loans | 26,171,000 | 27,624,000 | 27,782,000 | 27,671,000 |
| Allowance for loan losses | 190,000 | 190,000 | 190,000 | 190,000 |
| Securities available for sale | 45,214,000 | 44,592,000 | 44,758,000 | 46,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,964,000 | 63,920,000 | 63,725,000 | 66,419,000 |
| Interest-bearing deposits | 56,349,000 | 56,459,000 | 56,000,000 | 57,278,000 |
| Noninterest-bearing deposits | 8,615,000 | 7,461,000 | 7,725,000 | 9,141,000 |
| Equity capital | 10,748,000 | 10,711,000 | 11,031,000 | 11,172,000 |
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 | 928,000 | 1,906,000 | 2,917,000 | 3,970,000 |
| Interest expense | 375,000 | 784,000 | 1,212,000 | 1,689,000 |
| Net interest income | 553,000 | 1,122,000 | 1,705,000 | 2,281,000 |
| Noninterest income | 64,000 | 130,000 | 197,000 | 274,000 |
| Noninterest expense | 380,000 | 750,000 | 1,121,000 | 1,474,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 237,000 | 502,000 | 781,000 | 1,081,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 237,000 | 502,000 | 781,000 | 1,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,105,000 | 11,164,000 | 11,238,000 | 11,333,000 |
| Total capital | 11,295,000 | 11,354,000 | 11,428,000 | 11,523,000 |
| Risk-weighted assets | 38,344,000 | 39,335,000 | 39,950,000 | 40,091,000 |