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 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 81,511,000 | 81,331,000 | 82,641,000 | 82,612,000 |
| Total loans | 27,013,000 | 28,172,000 | 28,214,000 | 29,528,000 |
| Allowance for loan losses | 189,000 | 187,000 | 187,000 | 188,000 |
| Securities available for sale | 46,127,000 | 47,020,000 | 46,812,000 | 39,974,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,835,000 | 69,733,000 | 70,524,000 | 76,067,000 |
| Interest-bearing deposits | 59,056,000 | 60,429,000 | 61,559,000 | 58,624,000 |
| Noninterest-bearing deposits | 10,779,000 | 9,304,000 | 8,965,000 | 17,443,000 |
| Equity capital | 11,277,000 | 11,120,000 | 11,529,000 | 6,110,000 |
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 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,084,000 | 2,224,000 | 3,374,000 | 4,521,000 |
| Interest expense | 489,000 | 1,007,000 | 1,539,000 | 2,073,000 |
| Net interest income | 595,000 | 1,217,000 | 1,835,000 | 2,448,000 |
| Noninterest income | 56,000 | 122,000 | 180,000 | 250,000 |
| Noninterest expense | 382,000 | 756,000 | 1,137,000 | 1,552,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 300,000 | 614,000 | 909,000 | 1,188,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 300,000 | 614,000 | 909,000 | 1,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,399,000 | 11,500,000 | 11,580,000 | 6,004,000 |
| Total capital | 11,588,000 | 11,687,000 | 11,767,000 | 6,192,000 |
| Risk-weighted assets | 39,708,000 | 40,875,000 | 41,996,000 | 42,631,000 |