Call reports 2013
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2013
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 97,719,000 | 96,719,000 | 96,998,000 | 102,397,000 |
| Total loans | 65,881,000 | 67,626,000 | 68,342,000 | 70,974,000 |
| Allowance for loan losses | 890,000 | 929,000 | 974,000 | 992,000 |
| Securities available for sale | 20,844,000 | 20,428,000 | 19,879,000 | 19,105,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,854,000 | 81,292,000 | 77,845,000 | 82,808,000 |
| Interest-bearing deposits | 60,137,000 | 58,472,000 | 58,188,000 | 59,120,000 |
| Noninterest-bearing deposits | 20,717,000 | 22,820,000 | 19,657,000 | 23,688,000 |
| Equity capital | 13,286,000 | 11,782,000 | 12,293,000 | 12,506,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,110,000 | 2,244,000 | 3,370,000 | 4,500,000 |
| Interest expense | 114,000 | 219,000 | 323,000 | 414,000 |
| Net interest income | 996,000 | 2,025,000 | 3,047,000 | 4,086,000 |
| Noninterest income | 216,000 | 444,000 | 647,000 | 857,000 |
| Noninterest expense | 737,000 | 1,497,000 | 2,229,000 | 2,962,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 430,000 | 882,000 | 1,330,000 | 1,801,000 |
| Income tax | 3,000 | 3,000 | 3,000 | 3,000 |
| Net income | 427,000 | 879,000 | 1,327,000 | 1,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,507,000 | 11,561,000 | 12,006,000 | 12,328,000 |
| Total capital | 13,397,000 | 12,490,000 | 12,980,000 | 13,320,000 |
| Risk-weighted assets | 91,899,000 | 95,499,000 | 97,732,000 | 100,810,000 |