Call reports 2014
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2014
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 101,632,000 | 103,942,000 | 108,079,000 | 111,559,000 |
| Total loans | 72,297,000 | 75,112,000 | 75,647,000 | 77,271,000 |
| Allowance for loan losses | 1,020,000 | 1,048,000 | 1,036,000 | 1,054,000 |
| Securities available for sale | 19,079,000 | 19,058,000 | 20,520,000 | 20,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,070,000 | 81,719,000 | 85,495,000 | 86,805,000 |
| Interest-bearing deposits | 57,108,000 | 61,020,000 | 65,560,000 | 62,043,000 |
| Noninterest-bearing deposits | 22,962,000 | 20,699,000 | 19,935,000 | 24,762,000 |
| Equity capital | 12,871,000 | 12,982,000 | 13,289,000 | 13,504,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,092,000 | 2,228,000 | 3,387,000 | 4,644,000 |
| Interest expense | 88,000 | 180,000 | 275,000 | 375,000 |
| Net interest income | 1,004,000 | 2,048,000 | 3,112,000 | 4,269,000 |
| Noninterest income | 217,000 | 414,000 | 626,000 | 832,000 |
| Noninterest expense | 740,000 | 1,542,000 | 2,354,000 | 3,226,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 451,000 | 876,000 | 1,340,000 | 1,802,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | 451,000 | 875,000 | 1,339,000 | 1,800,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,579,000 | 12,602,000 | 12,867,000 | 13,077,000 |
| Total capital | 13,599,000 | 13,650,000 | 13,903,000 | 14,131,000 |
| Risk-weighted assets | 100,235,000 | 104,438,000 | 104,711,000 | 106,399,000 |