Call reports 2004
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2004
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 71,429,000 | 71,980,000 | 72,557,000 | 78,902,000 |
| Total loans | 45,839,000 | 47,654,000 | 49,117,000 | 51,552,000 |
| Allowance for loan losses | 375,000 | 395,000 | 393,000 | 393,000 |
| Securities available for sale | 15,667,000 | 19,790,000 | 19,226,000 | 19,658,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,175,000 | 60,643,000 | 60,687,000 | 68,822,000 |
| Interest-bearing deposits | 53,070,000 | 53,443,000 | 53,422,000 | 60,569,000 |
| Noninterest-bearing deposits | 8,105,000 | 7,200,000 | 7,265,000 | 8,253,000 |
| Equity capital | 7,554,000 | 7,060,000 | 7,385,000 | 7,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 928,000 | 1,907,000 | 2,902,000 | 3,944,000 |
| Interest expense | 264,000 | 560,000 | 854,000 | 1,158,000 |
| Net interest income | 664,000 | 1,347,000 | 2,048,000 | 2,786,000 |
| Noninterest income | 97,000 | 202,000 | 354,000 | 511,000 |
| Noninterest expense | 582,000 | 1,224,000 | 1,778,000 | 2,515,000 |
| Provision for loan losses | 0 | 38,000 | 53,000 | 78,000 |
| Pretax income | 172,000 | 265,000 | 548,000 | 673,000 |
| Income tax | 8,000 | 12,000 | 14,000 | 16,000 |
| Net income | 164,000 | 253,000 | 534,000 | 657,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,294,000 | 7,134,000 | 7,290,000 | 7,287,000 |
| Total capital | 7,669,000 | 7,529,000 | 7,683,000 | 7,680,000 |
| Risk-weighted assets | 52,247,000 | 54,022,000 | 55,175,000 | 58,215,000 |