Call reports 2005
F&M BANK & TRUST COMPANY, THE — 2005
What F&M BANK & TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,119,463,000 | 1,183,473,000 | 1,214,564,000 | 1,190,454,000 |
| Total loans | 950,638,000 | 1,000,247,000 | 1,043,795,000 | 1,005,572,000 |
| Allowance for loan losses | 8,964,000 | 9,179,000 | 9,360,000 | 10,680,000 |
| Securities available for sale | 73,358,000 | 70,909,000 | 58,396,000 | 62,169,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 953,304,000 | 976,674,000 | 1,000,840,000 | 1,032,542,000 |
| Interest-bearing deposits | 713,998,000 | 729,260,000 | 747,686,000 | 743,253,000 |
| Noninterest-bearing deposits | 239,306,000 | 247,414,000 | 253,154,000 | 289,289,000 |
| Equity capital | 108,612,000 | 111,165,000 | 115,047,000 | 119,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 14,317,000 | 30,510,000 | 48,941,000 | 68,544,000 |
| Interest expense | 3,614,000 | 8,172,000 | 14,032,000 | 20,553,000 |
| Net interest income | 10,703,000 | 22,338,000 | 34,909,000 | 47,991,000 |
| Noninterest income | 2,937,000 | 6,382,000 | 8,769,000 | 11,465,000 |
| Noninterest expense | 8,616,000 | 17,369,000 | 25,518,000 | 34,342,000 |
| Provision for loan losses | 570,000 | 1,280,000 | 2,100,000 | 2,725,000 |
| Pretax income | 4,614,000 | 10,398,000 | 16,491,000 | 22,837,000 |
| Income tax | 1,418,000 | 3,195,000 | 5,328,000 | 7,363,000 |
| Net income | 3,196,000 | 7,203,000 | 11,163,000 | 15,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 107,118,000 | 109,490,000 | 113,128,000 | 118,269,000 |
| Total capital | 116,082,000 | 118,669,000 | 122,488,000 | 128,949,000 |
| Risk-weighted assets | 1,095,587,000 | 1,163,134,000 | 1,209,663,000 | 1,173,013,000 |
Machine access — free, no API key
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