Call reports 2016
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2016
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 115,362,000 | 119,125,000 | 117,963,000 | 119,176,000 |
| Total loans | 84,836,000 | 86,880,000 | 87,779,000 | 90,304,000 |
| Allowance for loan losses | 1,262,000 | 1,213,000 | 1,214,000 | 1,208,000 |
| Securities available for sale | 20,423,000 | 20,835,000 | 20,260,000 | 19,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,940,000 | 94,126,000 | 93,981,000 | 98,638,000 |
| Interest-bearing deposits | 67,659,000 | 68,022,000 | 68,294,000 | 68,707,000 |
| Noninterest-bearing deposits | 24,281,000 | 26,104,000 | 25,687,000 | 29,931,000 |
| Equity capital | 13,281,000 | 13,613,000 | 13,783,000 | 13,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,235,000 | 2,461,000 | 3,698,000 | 4,953,000 |
| Interest expense | 99,000 | 198,000 | 296,000 | 385,000 |
| Net interest income | 1,136,000 | 2,263,000 | 3,402,000 | 4,568,000 |
| Noninterest income | 229,000 | 445,000 | 716,000 | 1,015,000 |
| Noninterest expense | 1,035,000 | 2,101,000 | 3,120,000 | 4,215,000 |
| Provision for loan losses | 53,000 | 70,000 | 70,000 | 70,000 |
| Pretax income | 277,000 | 551,000 | 942,000 | 1,312,000 |
| Income tax | 0 | 1,000 | 1,000 | 2,000 |
| Net income | 277,000 | 550,000 | 941,000 | 1,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,884,000 | 13,058,000 | 13,298,000 | 13,467,000 |
| Total capital | 14,146,000 | 14,271,000 | 14,512,000 | 14,675,000 |
| Risk-weighted assets | 107,273,000 | 113,064,000 | 112,046,000 | 113,955,000 |