Call reports 2024
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2024
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 204,536,000 | 205,295,000 | 209,831,000 | 210,728,000 |
| Total loans | 144,508,000 | 144,298,000 | 142,378,000 | 144,850,000 |
| Allowance for loan losses | 1,731,000 | 1,787,000 | 1,783,000 | 1,717,000 |
| Securities available for sale | 42,386,000 | 42,647,000 | 43,276,000 | 40,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 175,269,000 | 176,040,000 | 182,560,000 | 185,067,000 |
| Interest-bearing deposits | 130,267,000 | 132,563,000 | 135,437,000 | 136,912,000 |
| Noninterest-bearing deposits | 45,002,000 | 43,477,000 | 47,123,000 | 48,155,000 |
| Equity capital | 13,340,000 | 13,741,000 | 15,202,000 | 14,365,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 2,195,000 | 4,463,000 | 6,773,000 | 9,134,000 |
| Interest expense | 820,000 | 1,684,000 | 2,545,000 | 3,369,000 |
| Net interest income | 1,375,000 | 2,779,000 | 4,228,000 | 5,765,000 |
| Noninterest income | 303,000 | 541,000 | 814,000 | 1,148,000 |
| Noninterest expense | 1,482,000 | 2,890,000 | 4,402,000 | 5,973,000 |
| Provision for loan losses | 59,000 | 118,000 | 118,000 | 118,000 |
| Pretax income | 137,000 | 312,000 | 522,000 | 822,000 |
| Income tax | 44,000 | 44,000 | 44,000 | 44,000 |
| Net income | 93,000 | 268,000 | 478,000 | 778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,165,000 | 19,340,000 | 19,450,000 | 19,650,000 |