Call reports 2006
F&M BANK & TRUST COMPANY, THE — 2006
What F&M BANK & TRUST COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,197,313,000 | 1,217,917,000 | 1,206,226,000 | 1,232,288,000 |
| Total loans | 995,587,000 | 1,040,973,000 | 1,019,984,000 | 1,030,915,000 |
| Allowance for loan losses | 11,540,000 | 10,650,000 | 10,660,000 | 12,278,000 |
| Securities available for sale | 62,823,000 | 63,169,000 | 65,946,000 | 65,527,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,027,658,000 | 1,044,686,000 | 1,013,076,000 | 1,035,216,000 |
| Interest-bearing deposits | 766,377,000 | 781,378,000 | 752,942,000 | 772,515,000 |
| Noninterest-bearing deposits | 261,281,000 | 263,308,000 | 260,134,000 | 262,701,000 |
| Equity capital | 123,903,000 | 128,127,000 | 133,405,000 | 134,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 19,918,000 | 41,642,000 | 64,282,000 | 86,799,000 |
| Interest expense | 6,637,000 | 14,275,000 | 22,564,000 | 30,930,000 |
| Net interest income | 13,281,000 | 27,367,000 | 41,718,000 | 55,869,000 |
| Noninterest income | 2,841,000 | 5,808,000 | 8,807,000 | 12,123,000 |
| Noninterest expense | 8,753,000 | 17,884,000 | 27,396,000 | 37,307,000 |
| Provision for loan losses | 665,000 | 1,540,000 | 2,090,000 | 4,040,000 |
| Pretax income | 6,756,000 | 13,853,000 | 21,167,000 | 26,760,000 |
| Income tax | 2,240,000 | 4,668,000 | 7,154,000 | 9,060,000 |
| Net income | 4,516,000 | 9,185,000 | 14,013,000 | 17,700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,485,000 | 127,254,000 | 132,196,000 | 132,652,000 |
| Total capital | 134,025,000 | 137,904,000 | 142,856,000 | 144,930,000 |
| Risk-weighted assets | 1,169,246,000 | 1,213,539,000 | 1,199,731,000 | 1,226,661,000 |