Call reports 2013
F&M BANK — 2013
What F&M BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 115,724,000 | 113,108,000 | 111,283,000 | 113,034,000 |
| Total loans | 28,810,000 | 29,897,000 | 29,455,000 | 30,643,000 |
| Allowance for loan losses | 407,000 | 407,000 | 408,000 | 407,000 |
| Securities available for sale | 72,099,000 | 72,968,000 | 71,609,000 | 71,243,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,785,000 | 102,281,000 | 100,538,000 | 100,186,000 |
| Interest-bearing deposits | 84,342,000 | 85,255,000 | 83,804,000 | 81,936,000 |
| Noninterest-bearing deposits | 19,443,000 | 17,026,000 | 16,734,000 | 18,250,000 |
| Equity capital | 10,918,000 | 9,806,000 | 9,674,000 | 9,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 772,000 | 1,588,000 | 2,360,000 | 3,138,000 |
| Interest expense | 124,000 | 241,000 | 356,000 | 467,000 |
| Net interest income | 648,000 | 1,347,000 | 2,004,000 | 2,671,000 |
| Noninterest income | 56,000 | 114,000 | 192,000 | 259,000 |
| Noninterest expense | 481,000 | 939,000 | 1,424,000 | 1,869,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 223,000 | 522,000 | 772,000 | 1,061,000 |
| Income tax | 12,000 | 24,000 | 36,000 | 42,000 |
| Net income | 211,000 | 498,000 | 736,000 | 1,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,236,000 | 9,570,000 | 9,855,000 | 9,386,000 |
| Total capital | 9,658,000 | 9,992,000 | 10,278,000 | 9,808,000 |
| Risk-weighted assets | 49,941,000 | 51,203,000 | 50,282,000 | 52,933,000 |