Call reports 2015
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2015
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 109,392,000 | 108,964,000 | 110,173,000 | 115,994,000 |
| Total loans | 75,302,000 | 78,240,000 | 79,785,000 | 83,444,000 |
| Allowance for loan losses | 1,139,000 | 1,189,000 | 1,219,000 | 1,207,000 |
| Securities available for sale | 21,930,000 | 21,182,000 | 20,059,000 | 19,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,605,000 | 84,549,000 | 86,363,000 | 92,718,000 |
| Interest-bearing deposits | 61,928,000 | 60,682,000 | 62,929,000 | 67,674,000 |
| Noninterest-bearing deposits | 22,677,000 | 23,867,000 | 23,434,000 | 25,044,000 |
| Equity capital | 13,729,000 | 13,291,000 | 13,125,000 | 13,157,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,144,000 | 2,269,000 | 3,471,000 | 4,674,000 |
| Interest expense | 93,000 | 191,000 | 289,000 | 385,000 |
| Net interest income | 1,051,000 | 2,078,000 | 3,182,000 | 4,289,000 |
| Noninterest income | 213,000 | 437,000 | 642,000 | 855,000 |
| Noninterest expense | 792,000 | 1,639,000 | 2,536,000 | 3,606,000 |
| Provision for loan losses | 83,000 | 165,000 | 195,000 | 195,000 |
| Pretax income | 389,000 | 711,000 | 1,133,000 | 1,382,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | 389,000 | 710,000 | 1,132,000 | 1,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,216,000 | 13,087,000 | 12,809,000 | 12,808,000 |
| Total capital | 14,355,000 | 14,276,000 | 14,028,000 | 14,015,000 |
| Risk-weighted assets | 99,136,000 | 102,262,000 | 102,319,000 | 105,295,000 |