Call reports 2019
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2019
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 135,942,000 | 138,468,000 | 140,105,000 | 138,863,000 |
| Total loans | 102,974,000 | 106,584,000 | 106,665,000 | 103,592,000 |
| Allowance for loan losses | 1,430,000 | 1,478,000 | 1,494,000 | 1,495,000 |
| Securities available for sale | 20,113,000 | 19,593,000 | 19,668,000 | 21,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,869,000 | 115,591,000 | 117,600,000 | 120,001,000 |
| Interest-bearing deposits | 84,336,000 | 88,336,000 | 87,085,000 | 89,043,000 |
| Noninterest-bearing deposits | 27,533,000 | 27,255,000 | 30,515,000 | 30,958,000 |
| Equity capital | 14,893,000 | 15,265,000 | 15,862,000 | 16,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,486,000 | 3,054,000 | 4,657,000 | 6,239,000 |
| Interest expense | 214,000 | 466,000 | 701,000 | 924,000 |
| Net interest income | 1,272,000 | 2,588,000 | 3,956,000 | 5,315,000 |
| Noninterest income | 221,000 | 455,000 | 1,012,000 | 1,352,000 |
| Noninterest expense | 1,123,000 | 2,344,000 | 3,557,000 | 4,860,000 |
| Provision for loan losses | 50,000 | 100,000 | 116,000 | 117,000 |
| Pretax income | 321,000 | 602,000 | 1,298,000 | 1,694,000 |
| Income tax | 0 | 2,000 | 2,000 | 2,000 |
| Net income | 321,000 | 600,000 | 1,296,000 | 1,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,893,000 | 15,073,000 | 15,618,000 | 15,864,000 |
| Total capital | 16,323,000 | 16,551,000 | 17,112,000 | 17,328,000 |
| Risk-weighted assets | 116,069,000 | 119,549,000 | 120,456,000 | 117,154,000 |