Call reports 2009
F&M BANK — 2009
What F&M BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 82,121,000 | 83,510,000 | 86,208,000 | 80,119,000 |
| Total loans | 31,279,000 | 31,958,000 | 30,221,000 | 31,676,000 |
| Allowance for loan losses | 423,000 | 423,000 | 423,000 | 423,000 |
| Securities available for sale | 30,865,000 | 34,089,000 | 44,033,000 | 40,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,789,000 | 69,923,000 | 69,660,000 | 70,381,000 |
| Interest-bearing deposits | 57,327,000 | 58,646,000 | 57,650,000 | 58,456,000 |
| Noninterest-bearing deposits | 11,462,000 | 11,277,000 | 12,010,000 | 11,925,000 |
| Equity capital | 12,283,000 | 12,414,000 | 12,988,000 | 8,785,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 727,000 | 1,504,000 | 2,325,000 | 3,147,000 |
| Interest expense | 268,000 | 519,000 | 750,000 | 951,000 |
| Net interest income | 459,000 | 985,000 | 1,575,000 | 2,196,000 |
| Noninterest income | 65,000 | 122,000 | 180,000 | 249,000 |
| Noninterest expense | 432,000 | 882,000 | 1,336,000 | 6,099,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 92,000 | 225,000 | 419,000 | -3,653,000 |
| Income tax | 4,000 | 9,000 | 14,000 | 0 |
| Net income | 88,000 | 216,000 | 405,000 | -3,653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,686,000 | 6,862,000 | 7,098,000 | 7,418,000 |
| Total capital | 7,124,000 | 7,300,000 | 7,536,000 | 7,856,000 |
| Risk-weighted assets | 42,985,000 | 44,546,000 | 41,856,000 | 42,913,000 |