Call reports 2020
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2020
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 139,269,000 | 161,343,000 | 161,679,000 | 162,976,000 |
| Total loans | 105,580,000 | 118,911,000 | 116,665,000 | 113,779,000 |
| Allowance for loan losses | 1,501,000 | 1,602,000 | 1,651,000 | 1,391,000 |
| Securities available for sale | 21,158,000 | 23,179,000 | 23,738,000 | 32,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,944,000 | 141,509,000 | 143,735,000 | 144,820,000 |
| Interest-bearing deposits | 87,615,000 | 96,901,000 | 98,720,000 | 98,109,000 |
| Noninterest-bearing deposits | 33,329,000 | 44,608,000 | 45,015,000 | 46,711,000 |
| Equity capital | 15,733,000 | 17,322,000 | 17,246,000 | 17,389,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,535,000 | 3,697,000 | 5,227,000 | 6,725,000 |
| Interest expense | 203,000 | 378,000 | 530,000 | 650,000 |
| Net interest income | 1,332,000 | 3,319,000 | 4,697,000 | 6,075,000 |
| Noninterest income | 268,000 | 709,000 | 1,117,000 | 1,451,000 |
| Noninterest expense | 1,228,000 | 2,603,000 | 3,894,000 | 5,356,000 |
| Provision for loan losses | 9,000 | 126,000 | 179,000 | 214,000 |
| Pretax income | 363,000 | 1,299,000 | 1,741,000 | 1,956,000 |
| Income tax | 2,000 | 2,000 | 2,000 | 2,000 |
| Net income | 361,000 | 1,297,000 | 1,739,000 | 1,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,050,000 | 16,861,000 | 16,803,000 | 16,893,000 |