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Income Statement
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Balance Sheet
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Income Overview
Net Income
$5,369K
EPS
$1.5
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Interest and fees on loans held for investment
14,860
14,243
14,130
13,971
Interest and fees on loans held for sale
53
25
3
20
Interest from federal funds sold
360
564
468
385
Interest and dividends on interest bearing deposits and other investments
70
23
59
58
Interest from debt securities
2,760
2,638
2,398
2,378
Total interest and dividend income
18,103
17,493
17,052
16,812
Total interest on deposits
5,573
5,871
6,399
6,168
Interest on short-term debt
0
0
0
1
Interest on long-term debt
197
193
158
116
Total interest expense
5,770
6,064
6,557
6,285
Net interest income
12,333
11,429
10,495
10,527
Provision for credit losses - loans
306
289
-
-
(recovery of) provision for credit losses - unfunded commitments
-37
20
595
1,082
(recovery of) provision for credit losses - unfunded commitments
-
-
-56
105
Total provision for credit losses
269
309
539
1,187
Net interest income after provision for credit losses
12,064
11,120
9,956
9,340
Service charges on deposit accounts
372
343
347
307
Wealth management income
536
658
498
560
Mortgage banking income
639
492
426
358
Title insurance income
662
493
520
584
Income on bank owned life insurance
218
212
160
215
Low income housing partnership amortization
-175
-175
-
-
Atm and check card fees
904
775
-
-
Low income housing partnership amortization
-
-
-196
-196
Gain on sale of bearing insurance investment
4,836
-
-
-
Atm and check card fees
-
-
884
875
Losses on sale of securities
-3,462
-
-
-
Other operating income
324
99
95
89
Total noninterest income
4,854
2,897
2,734
2,792
Salaries
4,337
4,301
4,084
3,704
Employee benefits
1,483
1,517
939
923
Occupancy expense
384
395
362
387
Equipment expense
259
298
290
298
Fdic assessment
204
213
221
246
Legal and professional expense
686
753
547
527
Atm and check card fees
387
370
384
229
Data processing fees
927
948
914
855
Other operating expenses
1,780
1,518
1,580
1,543
Total noninterest expense
10,447
10,313
9,321
8,712
Income before income taxes
6,471
3,704
3,369
3,420
Income tax expense
1,102
478
445
455
Net income
5,369
3,226
2,924
2,965
Basic EPS
1.52
-
-
-
Diluted EPS
1.5
0.91
0.82
0.84
Basic Average Shares
3,550,516,000
-
-
-
Diluted Average Shares
3,584,485,000
3,560,093,000
3,558,868
3,564,133
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Interest and fees on loans
held for investment
$14,860K
(6.36%↑ Y/Y)
Interest from debt
securities
$2,760K
(16.06%↑ Y/Y)
Interest from federal
funds sold
$360K
(-6.49%↓ Y/Y)
Interest and dividends on
interest bearing...
$70K
(20.69%↑ Y/Y)
Interest and fees on loans
held for sale
$53K
(165.00%↑ Y/Y)
Total interest and
dividend income
$18,103K
(7.68%↑ Y/Y)
Net interest income
$12,333K
(17.16%↑ Y/Y)
Gain on sale of
bearing insurance...
$4,836K
Atm and check card
fees
$904K
(294.76%↑ Y/Y)
Total interest
expense
$5,770K
(-8.19%↓ Y/Y)
Title insurance
income
$662K
(13.36%↑ Y/Y)
Mortgage banking income
$639K
(78.49%↑ Y/Y)
Wealth management
income
$536K
(-4.29%↓ Y/Y)
Service charges on
deposit accounts
$372K
(21.17%↑ Y/Y)
Other operating
income
$324K
(264.04%↑ Y/Y)
Income on bank owned
life insurance
$218K
(1.40%↑ Y/Y)
Net interest income
after provision for...
$12,064K
(29.16%↑ Y/Y)
Total noninterest
income
$4,854K
(73.85%↑ Y/Y)
Total provision for
credit losses
$269K
(-77.34%↓ Y/Y)
Losses on sale of
securities
-$3,462K
(recovery of) provision
for credit losses -...
-$37K
(-103.42%↓ Y/Y)
Total interest on
deposits
$5,573K
(-9.65%↓ Y/Y)
Interest on long-term
debt
$197K
(69.83%↑ Y/Y)
Low income housing
partnership amortization
-$175K
(10.71%↑ Y/Y)
Income before income
taxes
$6,471K
(89.21%↑ Y/Y)
Total noninterest
expense
$10,447K
(19.92%↑ Y/Y)
Provision for credit
losses - loans
$306K
Net income
$5,369K
(81.08%↑ Y/Y)
Income tax expense
$1,102K
(142.20%↑ Y/Y)
Salaries
$4,337K
(17.09%↑ Y/Y)
Other operating
expenses
$1,780K
(15.36%↑ Y/Y)
Employee benefits
$1,483K
(60.67%↑ Y/Y)
Data processing fees
$927K
(8.42%↑ Y/Y)
Legal and
professional expense
$686K
(30.17%↑ Y/Y)
Atm and check card
fees
$387K
(69.00%↑ Y/Y)
Occupancy expense
$384K
(-0.78%↓ Y/Y)
Equipment expense
$259K
(-13.09%↓ Y/Y)
Fdic assessment
$204K
(-17.07%↓ Y/Y)
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F&M BANK CORP (FMBM)
F&M BANK CORP (FMBM)