Call reports 2012
F&M BANK — 2012
What F&M BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 113,129,000 | 113,714,000 | 115,185,000 | 114,179,000 |
| Total loans | 30,014,000 | 30,445,000 | 30,151,000 | 31,289,000 |
| Allowance for loan losses | 423,000 | 423,000 | 423,000 | 423,000 |
| Securities available for sale | 65,636,000 | 53,828,000 | 56,105,000 | 64,919,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,570,000 | 101,643,000 | 102,790,000 | 102,271,000 |
| Interest-bearing deposits | 80,731,000 | 82,172,000 | 81,609,000 | 83,120,000 |
| Noninterest-bearing deposits | 20,839,000 | 19,471,000 | 21,181,000 | 19,151,000 |
| Equity capital | 10,523,000 | 11,008,000 | 11,343,000 | 10,853,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 857,000 | 1,634,000 | 2,451,000 | 3,257,000 |
| Interest expense | 159,000 | 307,000 | 448,000 | 582,000 |
| Net interest income | 698,000 | 1,327,000 | 2,003,000 | 2,675,000 |
| Noninterest income | 59,000 | 118,000 | 178,000 | 239,000 |
| Noninterest expense | 463,000 | 917,000 | 1,399,000 | 1,879,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 332,000 | 598,000 | 1,013,000 | 1,302,000 |
| Income tax | 10,000 | 22,000 | 36,000 | 48,000 |
| Net income | 322,000 | 576,000 | 977,000 | 1,254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,705,000 | 9,006,000 | 9,454,000 | 8,978,000 |
| Total capital | 9,143,000 | 9,444,000 | 9,892,000 | 9,416,000 |
| Risk-weighted assets | 48,957,000 | 46,511,000 | 46,547,000 | 49,897,000 |