Call reports 2007
F&M BANK & TRUST COMPANY, THE — 2007
What F&M BANK & TRUST COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,254,350,000 | 1,253,643,000 | 1,226,403,000 | 1,247,502,000 |
| Total loans | 1,038,689,000 | 1,065,776,000 | 1,044,748,000 | 1,042,688,000 |
| Allowance for loan losses | 12,195,000 | 11,612,000 | 9,985,000 | 9,682,000 |
| Securities available for sale | 68,194,000 | 60,189,000 | 58,392,000 | 55,590,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,054,673,000 | 1,060,718,000 | 1,031,773,000 | 1,073,861,000 |
| Interest-bearing deposits | 811,797,000 | 817,019,000 | 816,409,000 | 836,710,000 |
| Noninterest-bearing deposits | 242,876,000 | 243,699,000 | 215,364,000 | 237,151,000 |
| Equity capital | 137,386,000 | 138,679,000 | 140,760,000 | 130,647,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 22,020,000 | 44,876,000 | 67,673,000 | 88,701,000 |
| Interest expense | 8,686,000 | 17,501,000 | 26,514,000 | 35,007,000 |
| Net interest income | 13,334,000 | 27,375,000 | 41,159,000 | 53,694,000 |
| Noninterest income | 3,410,000 | 7,082,000 | 10,699,000 | 14,560,000 |
| Noninterest expense | 9,881,000 | 20,183,000 | 30,413,000 | 39,805,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 22,300,000 |
| Pretax income | 6,867,000 | 14,380,000 | 21,269,000 | 5,808,000 |
| Income tax | 2,184,000 | 4,768,000 | 7,101,000 | 429,000 |
| Net income | 4,683,000 | 9,612,000 | 14,168,000 | 5,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,889,000 | 137,842,000 | 140,019,000 | 129,625,000 |
| Total capital | 148,084,000 | 149,454,000 | 150,004,000 | 139,307,000 |
| Risk-weighted assets | 1,241,373,000 | 1,270,264,000 | 1,261,006,000 | 1,260,077,000 |