Call reports 2012
F&M BANK & TRUST COMPANY, THE — 2012
What F&M BANK & TRUST COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 2,139,214,000 | 2,139,054,000 | 2,211,024,000 | 2,309,312,000 |
| Total loans | 1,548,526,000 | 1,735,403,000 | 1,795,251,000 | 1,884,321,000 |
| Allowance for loan losses | 18,990,000 | 22,090,000 | 23,269,000 | 25,105,000 |
| Securities available for sale | 99,403,000 | 88,417,000 | 83,968,000 | 69,034,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,930,411,000 | 1,928,233,000 | 1,988,428,000 | 2,076,127,000 |
| Interest-bearing deposits | 1,405,169,000 | 1,748,980,000 | 1,856,167,000 | 1,902,188,000 |
| Noninterest-bearing deposits | 525,242,000 | 179,253,000 | 132,261,000 | 173,939,000 |
| Equity capital | 192,469,000 | 195,345,000 | 199,942,000 | 202,912,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 20,045,000 | 41,783,000 | 66,144,000 | 90,201,000 |
| Interest expense | 2,530,000 | 5,014,000 | 7,479,000 | 9,792,000 |
| Net interest income | 17,515,000 | 36,769,000 | 58,665,000 | 80,409,000 |
| Noninterest income | 3,653,000 | 7,271,000 | 11,439,000 | 14,947,000 |
| Noninterest expense | 15,299,000 | 31,302,000 | 47,179,000 | 62,694,000 |
| Provision for loan losses | 1,794,000 | 4,754,000 | 8,770,000 | 11,074,000 |
| Pretax income | 4,075,000 | 8,197,000 | 14,368,000 | 21,964,000 |
| Income tax | 1,578,000 | 2,942,000 | 5,169,000 | 7,226,000 |
| Net income | 2,497,000 | 5,255,000 | 9,199,000 | 14,738,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 191,844,000 | 198,163,000 | 202,107,000 | 206,316,000 |
| Total capital | 210,834,000 | 220,253,000 | 225,376,000 | 231,421,000 |
| Risk-weighted assets | 1,772,100,000 | 1,931,864,000 | 1,985,266,000 | 2,060,219,000 |