Call reports 2025
F&M BANK — 2025
What F&M BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 131,680,000 | 147,326,000 | 127,466,000 | 129,548,000 |
| Total loans | 60,089,000 | 60,680,000 | 59,624,000 | 60,932,000 |
| Allowance for loan losses | 1,025,000 | 1,050,000 | 1,098,000 | 1,098,000 |
| Securities available for sale | 38,160,000 | 38,559,000 | 34,705,000 | 31,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,593,000 | 128,358,000 | 107,467,000 | 110,394,000 |
| Interest-bearing deposits | 88,672,000 | 104,352,000 | 84,842,000 | 84,995,000 |
| Noninterest-bearing deposits | 24,921,000 | 24,006,000 | 22,625,000 | 25,399,000 |
| Equity capital | 14,697,000 | 15,128,000 | 15,852,000 | 15,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,433,000 | 2,930,000 | 4,511,000 | 5,955,000 |
| Interest expense | 389,000 | 787,000 | 1,226,000 | 1,566,000 |
| Net interest income | 1,044,000 | 2,143,000 | 3,285,000 | 4,389,000 |
| Noninterest income | 98,000 | 179,000 | 269,000 | 367,000 |
| Noninterest expense | 771,000 | 1,513,000 | 2,194,000 | 2,923,000 |
| Provision for loan losses | 0 | 25,000 | 75,000 | 75,000 |
| Pretax income | 371,000 | 784,000 | 1,285,000 | 1,758,000 |
| Income tax | 15,000 | 29,000 | 44,000 | 26,000 |
| Net income | 356,000 | 755,000 | 1,241,000 | 1,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,986,000 | 15,385,000 | 15,871,000 | 15,262,000 |