Call reports 2012
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2012
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 93,848,000 | 94,524,000 | 94,805,000 | 98,743,000 |
| Total loans | 64,219,000 | 66,325,000 | 66,890,000 | 65,765,000 |
| Allowance for loan losses | 744,000 | 826,000 | 904,000 | 868,000 |
| Securities available for sale | 20,765,000 | 20,792,000 | 20,161,000 | 19,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,138,000 | 80,718,000 | 77,693,000 | 81,684,000 |
| Interest-bearing deposits | 60,671,000 | 61,349,000 | 60,553,000 | 60,353,000 |
| Noninterest-bearing deposits | 19,467,000 | 19,369,000 | 17,140,000 | 21,331,000 |
| Equity capital | 12,281,000 | 12,431,000 | 12,817,000 | 13,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,167,000 | 2,344,000 | 3,545,000 | 4,705,000 |
| Interest expense | 155,000 | 296,000 | 426,000 | 550,000 |
| Net interest income | 1,012,000 | 2,048,000 | 3,119,000 | 4,155,000 |
| Noninterest income | 200,000 | 388,000 | 635,000 | 854,000 |
| Noninterest expense | 694,000 | 1,386,000 | 2,124,000 | 2,910,000 |
| Provision for loan losses | 135,000 | 225,000 | 315,000 | 345,000 |
| Pretax income | 383,000 | 825,000 | 1,315,000 | 1,754,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 382,000 | 824,000 | 1,314,000 | 1,753,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,409,000 | 11,500,000 | 11,815,000 | 12,255,000 |
| Total capital | 12,153,000 | 12,326,000 | 12,719,000 | 13,123,000 |
| Risk-weighted assets | 83,272,000 | 86,333,000 | 91,363,000 | 92,050,000 |