Call reports 2006
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2006
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 76,361,000 | 79,222,000 | 81,076,000 | 78,836,000 |
| Total loans | 52,264,000 | 55,912,000 | 56,007,000 | 55,267,000 |
| Allowance for loan losses | 405,000 | 427,000 | 429,000 | 452,000 |
| Securities available for sale | 18,901,000 | 18,583,000 | 19,345,000 | 18,633,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,862,000 | 58,922,000 | 65,313,000 | 62,973,000 |
| Interest-bearing deposits | 52,085,000 | 51,281,000 | 57,449,000 | 54,872,000 |
| Noninterest-bearing deposits | 7,777,000 | 7,641,000 | 7,864,000 | 8,101,000 |
| Equity capital | 7,506,000 | 7,521,000 | 7,811,000 | 8,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,122,000 | 2,343,000 | 3,637,000 | 4,911,000 |
| Interest expense | 394,000 | 842,000 | 1,391,000 | 1,917,000 |
| Net interest income | 728,000 | 1,501,000 | 2,246,000 | 2,994,000 |
| Noninterest income | 109,000 | 241,000 | 375,000 | 509,000 |
| Noninterest expense | 588,000 | 1,164,000 | 1,717,000 | 2,272,000 |
| Provision for loan losses | 26,000 | 52,000 | 78,000 | 104,000 |
| Pretax income | 167,000 | 470,000 | 769,000 | 1,070,000 |
| Income tax | 0 | -4,000 | -4,000 | -4,000 |
| Net income | 167,000 | 474,000 | 773,000 | 1,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,735,000 | 7,892,000 | 7,941,000 | 8,142,000 |
| Total capital | 8,140,000 | 8,319,000 | 8,370,000 | 8,594,000 |
| Risk-weighted assets | 60,942,000 | 64,318,000 | 65,395,000 | 63,408,000 |