Call reports 2010
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2010
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 88,061,000 | 87,691,000 | 88,089,000 | 97,088,000 |
| Total loans | 62,008,000 | 63,936,000 | 63,693,000 | 63,377,000 |
| Allowance for loan losses | 708,000 | 781,000 | 867,000 | 857,000 |
| Securities available for sale | 18,226,000 | 18,317,000 | 17,610,000 | 17,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,544,000 | 70,499,000 | 71,456,000 | 82,114,000 |
| Interest-bearing deposits | 59,199,000 | 58,010,000 | 58,074,000 | 62,118,000 |
| Noninterest-bearing deposits | 13,345,000 | 12,489,000 | 13,382,000 | 19,996,000 |
| Equity capital | 10,296,000 | 10,623,000 | 11,061,000 | 10,919,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,232,000 | 2,505,000 | 3,761,000 | 4,977,000 |
| Interest expense | 277,000 | 544,000 | 806,000 | 1,062,000 |
| Net interest income | 955,000 | 1,961,000 | 2,955,000 | 3,915,000 |
| Noninterest income | 141,000 | 306,000 | 493,000 | 672,000 |
| Noninterest expense | 663,000 | 1,351,000 | 2,028,000 | 2,755,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 285,000 |
| Pretax income | 358,000 | 766,000 | 1,195,000 | 1,547,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 356,000 | 764,000 | 1,193,000 | 1,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,861,000 | 10,119,000 | 10,399,000 | 10,576,000 |
| Total capital | 10,569,000 | 10,900,000 | 11,266,000 | 11,433,000 |
| Risk-weighted assets | 76,637,000 | 77,759,000 | 79,700,000 | 79,888,000 |