Call reports 2010
F&M BANK & TRUST COMPANY, THE — 2010
What F&M BANK & TRUST COMPANY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,515,943,000 | 1,407,501,000 | 1,418,968,000 | 1,553,684,000 |
| Total loans | 986,961,000 | 1,016,063,000 | 1,044,656,000 | 1,134,722,000 |
| Allowance for loan losses | 12,895,000 | 14,479,000 | 13,713,000 | 12,584,000 |
| Securities available for sale | 54,199,000 | 60,567,000 | 99,177,000 | 45,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,361,909,000 | 1,258,118,000 | 1,272,108,000 | 1,410,002,000 |
| Interest-bearing deposits | 1,096,793,000 | 978,303,000 | 989,948,000 | 1,073,369,000 |
| Noninterest-bearing deposits | 265,116,000 | 279,815,000 | 282,160,000 | 336,633,000 |
| Equity capital | 130,399,000 | 131,029,000 | 132,416,000 | 132,600,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 14,331,000 | 28,705,000 | 44,046,000 | 60,779,000 |
| Interest expense | 2,754,000 | 5,066,000 | 7,243,000 | 9,614,000 |
| Net interest income | 11,577,000 | 23,639,000 | 36,803,000 | 51,165,000 |
| Noninterest income | 3,970,000 | 7,986,000 | 12,178,000 | 16,255,000 |
| Noninterest expense | 11,679,000 | 23,591,000 | 36,459,000 | 49,514,000 |
| Provision for loan losses | 1,692,000 | 3,588,000 | 5,381,000 | 7,781,000 |
| Pretax income | 2,199,000 | 4,482,000 | 7,177,000 | 10,483,000 |
| Income tax | 724,000 | 1,467,000 | 2,279,000 | 2,876,000 |
| Net income | 1,369,000 | 2,633,000 | 4,229,000 | 6,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 129,157,000 | 129,735,000 | 130,659,000 | 132,328,000 |
| Total capital | 142,052,000 | 143,867,000 | 144,372,000 | 144,912,000 |
| Risk-weighted assets | 1,107,023,000 | 1,133,412,000 | 1,169,906,000 | 1,274,085,000 |
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