Call reports 2005
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2005
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 73,270,000 | 75,326,000 | 77,049,000 | 76,446,000 |
| Total loans | 50,948,000 | 52,372,000 | 52,088,000 | 52,555,000 |
| Allowance for loan losses | 391,000 | 375,000 | 377,000 | 385,000 |
| Securities available for sale | 18,214,000 | 18,323,000 | 19,206,000 | 18,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,871,000 | 58,027,000 | 60,234,000 | 60,440,000 |
| Interest-bearing deposits | 50,139,000 | 51,115,000 | 52,367,000 | 51,843,000 |
| Noninterest-bearing deposits | 8,732,000 | 6,912,000 | 7,867,000 | 8,597,000 |
| Equity capital | 7,227,000 | 7,452,000 | 7,516,000 | 7,519,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,035,000 | 2,115,000 | 3,243,000 | 4,384,000 |
| Interest expense | 305,000 | 628,000 | 993,000 | 1,360,000 |
| Net interest income | 730,000 | 1,487,000 | 2,250,000 | 3,024,000 |
| Noninterest income | 136,000 | 287,000 | 474,000 | 593,000 |
| Noninterest expense | 625,000 | 1,283,000 | 1,913,000 | 2,558,000 |
| Provision for loan losses | 0 | 25,000 | 36,000 | 59,000 |
| Pretax income | 227,000 | 446,000 | 745,000 | 966,000 |
| Income tax | 1,000 | 5,000 | 8,000 | 10,000 |
| Net income | 226,000 | 441,000 | 737,000 | 956,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,388,000 | 7,478,000 | 7,649,000 | 7,743,000 |
| Total capital | 7,779,000 | 7,853,000 | 8,026,000 | 8,128,000 |
| Risk-weighted assets | 57,800,000 | 59,545,000 | 60,522,000 | 60,318,000 |