Call reports 2007
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2007
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 78,116,000 | 79,033,000 | 82,566,000 | 85,424,000 |
| Total loans | 55,682,000 | 56,377,000 | 55,384,000 | 56,423,000 |
| Allowance for loan losses | 480,000 | 461,000 | 491,000 | 462,000 |
| Securities available for sale | 17,985,000 | 17,900,000 | 17,926,000 | 18,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,434,000 | 62,171,000 | 67,225,000 | 69,972,000 |
| Interest-bearing deposits | 54,347,000 | 54,705,000 | 59,017,000 | 60,256,000 |
| Noninterest-bearing deposits | 8,087,000 | 7,466,000 | 8,208,000 | 9,716,000 |
| Equity capital | 8,304,000 | 8,164,000 | 8,616,000 | 8,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,264,000 | 2,576,000 | 3,952,000 | 5,361,000 |
| Interest expense | 553,000 | 1,114,000 | 1,702,000 | 2,290,000 |
| Net interest income | 711,000 | 1,462,000 | 2,250,000 | 3,071,000 |
| Noninterest income | 137,000 | 302,000 | 457,000 | 623,000 |
| Noninterest expense | 556,000 | 1,123,000 | 1,683,000 | 2,318,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 262,000 | 581,000 | 934,000 | 1,251,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 262,000 | 581,000 | 934,000 | 1,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,404,000 | 8,423,000 | 8,676,000 | 8,794,000 |
| Total capital | 8,884,000 | 8,884,000 | 9,167,000 | 9,256,000 |
| Risk-weighted assets | 64,128,000 | 64,731,000 | 64,520,000 | 66,178,000 |