Call reports 2022
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2022
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 189,293,000 | 184,524,000 | 189,868,000 | 191,703,000 |
| Total loans | 113,858,000 | 117,600,000 | 121,293,000 | 126,503,000 |
| Allowance for loan losses | 1,455,000 | 1,479,000 | 1,474,000 | 1,497,000 |
| Securities available for sale | 45,464,000 | 45,948,000 | 44,917,000 | 46,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,937,000 | 170,317,000 | 177,104,000 | 175,969,000 |
| Interest-bearing deposits | 113,898,000 | 117,039,000 | 122,171,000 | 125,615,000 |
| Noninterest-bearing deposits | 60,039,000 | 53,278,000 | 54,933,000 | 50,354,000 |
| Equity capital | 14,730,000 | 13,470,000 | 11,960,000 | 12,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,984,000 | 4,682,000 | 6,511,000 |
| Interest expense | 98,000 | 206,000 | 338,000 | 548,000 |
| Net interest income | 1,355,000 | 2,778,000 | 4,344,000 | 5,963,000 |
| Noninterest income | 355,000 | 783,000 | 1,101,000 | 1,382,000 |
| Noninterest expense | 1,297,000 | 2,625,000 | 4,006,000 | 5,359,000 |
| Provision for loan losses | 38,000 | 63,000 | 63,000 | 88,000 |
| Pretax income | 381,000 | 879,000 | 1,382,000 | 1,904,000 |
| Income tax | 138,000 | 138,000 | 138,000 | 138,000 |
| Net income | 243,000 | 741,000 | 1,244,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,743,000 | 18,096,000 | 18,299,000 | 18,671,000 |