Call reports 2009
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2009
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 87,270,000 | 85,293,000 | 84,892,000 | 88,335,000 |
| Total loans | 59,912,000 | 61,525,000 | 61,938,000 | 62,105,000 |
| Allowance for loan losses | 612,000 | 620,000 | 687,000 | 706,000 |
| Securities available for sale | 17,201,000 | 16,743,000 | 16,386,000 | 16,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,337,000 | 68,269,000 | 66,158,000 | 71,307,000 |
| Interest-bearing deposits | 60,544,000 | 58,064,000 | 56,163,000 | 57,789,000 |
| Noninterest-bearing deposits | 10,793,000 | 10,205,000 | 9,995,000 | 13,518,000 |
| Equity capital | 9,510,000 | 9,542,000 | 9,827,000 | 10,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,277,000 | 2,592,000 | 3,870,000 | 5,147,000 |
| Interest expense | 426,000 | 814,000 | 1,170,000 | 1,485,000 |
| Net interest income | 851,000 | 1,778,000 | 2,700,000 | 3,662,000 |
| Noninterest income | 166,000 | 354,000 | 528,000 | 675,000 |
| Noninterest expense | 630,000 | 1,285,000 | 1,948,000 | 2,594,000 |
| Provision for loan losses | 45,000 | 110,000 | 185,000 | 230,000 |
| Pretax income | 342,000 | 737,000 | 1,095,000 | 1,513,000 |
| Income tax | 2,000 | 2,000 | 3,000 | 3,000 |
| Net income | 340,000 | 735,000 | 1,092,000 | 1,510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,165,000 | 9,230,000 | 9,287,000 | 9,705,000 |
| Total capital | 9,777,000 | 9,850,000 | 9,974,000 | 10,411,000 |
| Risk-weighted assets | 69,776,000 | 72,806,000 | 74,267,000 | 76,155,000 |