Call reports 2003
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2003
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 59,455,000 | 62,078,000 | 62,822,000 | 65,952,000 |
| Total loans | 37,645,000 | 39,579,000 | 41,988,000 | 44,877,000 |
| Allowance for loan losses | 388,000 | 386,000 | 383,000 | 387,000 |
| Securities available for sale | 17,347,000 | 17,278,000 | 16,001,000 | 15,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,734,000 | 50,647,000 | 52,535,000 | 52,331,000 |
| Interest-bearing deposits | 42,759,000 | 44,306,000 | 45,543,000 | 45,067,000 |
| Noninterest-bearing deposits | 6,975,000 | 6,341,000 | 6,992,000 | 7,264,000 |
| Equity capital | 7,161,000 | 7,382,000 | 7,359,000 | 7,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 887,000 | 1,794,000 | 2,720,000 | 3,655,000 |
| Interest expense | 277,000 | 545,000 | 806,000 | 1,061,000 |
| Net interest income | 610,000 | 1,249,000 | 1,914,000 | 2,594,000 |
| Noninterest income | 123,000 | 275,000 | 428,000 | 531,000 |
| Noninterest expense | 474,000 | 990,000 | 1,546,000 | 2,196,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 245,000 | 514,000 | 763,000 | 889,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 243,000 | 512,000 | 761,000 | 887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,808,000 | 6,967,000 | 7,104,000 | 7,130,000 |
| Total capital | 7,196,000 | 7,353,000 | 7,487,000 | 7,517,000 |
| Risk-weighted assets | 42,402,000 | 44,416,000 | 47,481,000 | 50,186,000 |