Call reports 2023
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2023
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 194,856,000 | 205,141,000 | 206,786,000 | 207,457,000 |
| Total loans | 131,073,000 | 137,627,000 | 141,243,000 | 143,233,000 |
| Allowance for loan losses | 1,557,000 | 1,610,000 | 1,664,000 | 1,679,000 |
| Securities available for sale | 46,023,000 | 47,946,000 | 44,703,000 | 44,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,679,000 | 175,412,000 | 173,934,000 | 174,149,000 |
| Interest-bearing deposits | 123,223,000 | 126,357,000 | 127,074,000 | 127,451,000 |
| Noninterest-bearing deposits | 51,456,000 | 49,055,000 | 46,860,000 | 46,698,000 |
| Equity capital | 13,494,000 | 13,094,000 | 12,196,000 | 13,603,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,817,000 | 3,836,000 | 5,950,000 | 8,121,000 |
| Interest expense | 291,000 | 789,000 | 1,442,000 | 2,227,000 |
| Net interest income | 1,526,000 | 3,047,000 | 4,508,000 | 5,894,000 |
| Noninterest income | 292,000 | 590,000 | 848,000 | 1,236,000 |
| Noninterest expense | 1,393,000 | 2,808,000 | 4,257,000 | 5,749,000 |
| Provision for loan losses | 54,000 | 107,000 | 161,000 | 179,000 |
| Pretax income | 371,000 | 722,000 | 938,000 | 1,202,000 |
| Income tax | 151,000 | 151,000 | 151,000 | 151,000 |
| Net income | 220,000 | 571,000 | 787,000 | 1,051,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,690,000 | 18,892,000 | 18,958,000 | 19,072,000 |