Call reports 2011
F&M BANK & TRUST COMPANY, THE — 2011
What F&M BANK & TRUST COMPANY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,695,454,000 | 1,722,659,000 | 1,966,904,000 | 2,013,335,000 |
| Total loans | 1,213,015,000 | 1,322,994,000 | 1,344,578,000 | 1,492,424,000 |
| Allowance for loan losses | 13,879,000 | 14,075,000 | 15,194,000 | 19,201,000 |
| Securities available for sale | 21,127,000 | 35,369,000 | 31,980,000 | 31,883,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,546,028,000 | 1,575,116,000 | 1,699,597,000 | 1,805,499,000 |
| Interest-bearing deposits | 1,154,795,000 | 1,173,535,000 | 1,261,140,000 | 1,330,584,000 |
| Noninterest-bearing deposits | 391,233,000 | 401,581,000 | 438,457,000 | 474,915,000 |
| Equity capital | 132,728,000 | 133,617,000 | 193,310,000 | 189,786,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 16,536,000 | 33,803,000 | 51,648,000 | 70,919,000 |
| Interest expense | 2,408,000 | 4,943,000 | 7,626,000 | 10,260,000 |
| Net interest income | 14,128,000 | 28,860,000 | 44,022,000 | 60,659,000 |
| Noninterest income | 3,706,000 | 8,142,000 | 10,931,000 | 14,335,000 |
| Noninterest expense | 11,923,000 | 25,650,000 | 39,284,000 | 57,909,000 |
| Provision for loan losses | 2,689,000 | 4,598,000 | 20,661,000 | 29,954,000 |
| Pretax income | 3,432,000 | 6,699,000 | -4,785,000 | -12,932,000 |
| Income tax | 1,169,000 | 2,450,000 | -1,356,000 | -5,291,000 |
| Net income | 2,144,000 | 3,809,000 | -4,091,000 | -6,844,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 131,678,000 | 132,631,000 | 192,293,000 | 189,347,000 |
| Total capital | 145,557,000 | 146,706,000 | 207,487,000 | 208,548,000 |
| Risk-weighted assets | 1,400,332,000 | 1,490,268,000 | 1,492,173,000 | 1,641,264,000 |
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