Call reports 2010
F&M BANK — 2010
What F&M BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 83,717,000 | 86,210,000 | 88,819,000 | 92,110,000 |
| Total loans | 30,315,000 | 29,919,000 | 27,211,000 | 28,937,000 |
| Allowance for loan losses | 423,000 | 423,000 | 423,000 | 423,000 |
| Securities available for sale | 36,516,000 | 36,473,000 | 37,203,000 | 42,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,741,000 | 75,939,000 | 77,840,000 | 82,014,000 |
| Interest-bearing deposits | 60,844,000 | 63,693,000 | 65,580,000 | 65,012,000 |
| Noninterest-bearing deposits | 12,897,000 | 12,246,000 | 12,260,000 | 17,002,000 |
| Equity capital | 8,978,000 | 9,249,000 | 9,724,000 | 8,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 722,000 | 1,506,000 | 2,263,000 | 3,020,000 |
| Interest expense | 185,000 | 368,000 | 556,000 | 734,000 |
| Net interest income | 537,000 | 1,138,000 | 1,707,000 | 2,286,000 |
| Noninterest income | 55,000 | 114,000 | 175,000 | 244,000 |
| Noninterest expense | 430,000 | 863,000 | 1,292,000 | 1,735,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 162,000 | 389,000 | 590,000 | 795,000 |
| Income tax | 4,000 | 11,000 | 19,000 | 27,000 |
| Net income | 158,000 | 378,000 | 571,000 | 768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,623,000 | 7,890,000 | 8,129,000 | 7,773,000 |
| Total capital | 8,061,000 | 8,328,000 | 8,567,000 | 8,211,000 |
| Risk-weighted assets | 41,980,000 | 39,419,000 | 36,425,000 | 38,825,000 |