Call reports 2022
F&M BANK — 2022
What F&M BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 139,690,000 | 140,246,000 | 136,470,000 | 136,479,000 |
| Total loans | 62,468,000 | 59,728,000 | 59,855,000 | 65,124,000 |
| Allowance for loan losses | 823,000 | 823,000 | 823,000 | 823,000 |
| Securities available for sale | 61,790,000 | 58,145,000 | 68,630,000 | 65,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,877,000 | 125,309,000 | 121,913,000 | 121,793,000 |
| Interest-bearing deposits | 88,574,000 | 88,811,000 | 88,315,000 | 89,249,000 |
| Noninterest-bearing deposits | 36,303,000 | 36,498,000 | 33,598,000 | 32,544,000 |
| Equity capital | 12,023,000 | 11,126,000 | 10,719,000 | 11,439,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 747,000 | 1,550,000 | 2,487,000 | 3,526,000 |
| Interest expense | 39,000 | 90,000 | 202,000 | 433,000 |
| Net interest income | 708,000 | 1,460,000 | 2,285,000 | 3,093,000 |
| Noninterest income | 101,000 | 214,000 | 302,000 | 410,000 |
| Noninterest expense | 544,000 | 1,116,000 | 1,651,000 | 2,211,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 265,000 | 558,000 | 936,000 | 1,292,000 |
| Income tax | 11,000 | 22,000 | 33,000 | 53,000 |
| Net income | 254,000 | 536,000 | 903,000 | 1,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,865,000 | 13,147,000 | 13,514,000 | 13,850,000 |