Call reports 2009
F&M BANK & TRUST COMPANY, THE — 2009
What F&M BANK & TRUST COMPANY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,384,345,000 | 1,434,785,000 | 1,468,664,000 | 1,494,436,000 |
| Total loans | 1,038,404,000 | 1,008,557,000 | 1,013,063,000 | 1,010,759,000 |
| Allowance for loan losses | 11,045,000 | 11,284,000 | 11,174,000 | 11,501,000 |
| Securities available for sale | 98,541,000 | 100,369,000 | 94,041,000 | 60,696,000 |
| Securities held to maturity | 973,000 | 973,000 | 723,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,216,027,000 | 1,276,501,000 | 1,308,371,000 | 1,342,602,000 |
| Interest-bearing deposits | 971,856,000 | 1,019,510,000 | 1,055,908,000 | 1,078,707,000 |
| Noninterest-bearing deposits | 244,171,000 | 256,991,000 | 252,463,000 | 263,895,000 |
| Equity capital | 128,555,000 | 128,778,000 | 131,564,000 | 129,929,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 14,116,000 | 28,757,000 | 43,568,000 | 59,629,000 |
| Interest expense | 4,335,000 | 8,132,000 | 11,556,000 | 14,741,000 |
| Net interest income | 9,781,000 | 20,625,000 | 32,012,000 | 44,888,000 |
| Noninterest income | 4,034,000 | 8,739,000 | 13,178,000 | 17,349,000 |
| Noninterest expense | 10,720,000 | 21,717,000 | 32,454,000 | 43,679,000 |
| Provision for loan losses | 750,000 | 1,250,000 | 2,000,000 | 8,500,000 |
| Pretax income | 2,286,000 | 6,089,000 | 10,428,000 | 9,665,000 |
| Income tax | 767,000 | 2,137,000 | 3,518,000 | 3,040,000 |
| Net income | 1,519,000 | 3,558,000 | 6,306,000 | 5,777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,116,000 | 128,630,000 | 130,248,000 | 129,063,000 |
| Total capital | 139,161,000 | 139,914,000 | 141,422,000 | 140,564,000 |
| Risk-weighted assets | 1,227,054,000 | 1,192,800,000 | 1,195,139,000 | 1,151,825,000 |
Machine access — free, no API key
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