Call reports 2011
F&M BANK — 2011
What F&M BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 96,860,000 | 99,131,000 | 97,299,000 | 104,561,000 |
| Total loans | 28,593,000 | 29,219,000 | 28,935,000 | 30,207,000 |
| Allowance for loan losses | 423,000 | 423,000 | 423,000 | 423,000 |
| Securities available for sale | 50,713,000 | 56,315,000 | 61,909,000 | 63,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,422,000 | 87,876,000 | 85,561,000 | 93,002,000 |
| Interest-bearing deposits | 71,017,000 | 71,698,000 | 70,839,000 | 74,516,000 |
| Noninterest-bearing deposits | 15,405,000 | 16,178,000 | 14,722,000 | 18,486,000 |
| Equity capital | 9,174,000 | 9,928,000 | 10,660,000 | 10,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 788,000 | 1,623,000 | 2,356,000 | 3,211,000 |
| Interest expense | 169,000 | 344,000 | 516,000 | 684,000 |
| Net interest income | 619,000 | 1,279,000 | 1,840,000 | 2,527,000 |
| Noninterest income | 53,000 | 116,000 | 183,000 | 253,000 |
| Noninterest expense | 454,000 | 889,000 | 1,338,000 | 1,775,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 216,000 | 504,000 | 683,000 | 1,016,000 |
| Income tax | 11,000 | 19,000 | 33,000 | 40,000 |
| Net income | 205,000 | 485,000 | 650,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,024,000 | 8,352,000 | 8,565,000 | 8,337,000 |
| Total capital | 8,462,000 | 8,790,000 | 9,003,000 | 8,775,000 |
| Risk-weighted assets | 41,335,000 | 42,634,000 | 45,141,000 | 47,292,000 |