Call reports 2025
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2025
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 205,783,000 | 209,000,000 | 204,555,000 | 213,562,000 |
| Total loans | 143,760,000 | 148,557,000 | 147,026,000 | 152,361,000 |
| Allowance for loan losses | 1,767,000 | 1,813,000 | 1,861,000 | 1,860,000 |
| Securities available for sale | 38,012,000 | 37,578,000 | 37,860,000 | 37,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,828,000 | 179,474,000 | 175,915,000 | 185,705,000 |
| Interest-bearing deposits | 139,859,000 | 138,669,000 | 135,310,000 | 144,242,000 |
| Noninterest-bearing deposits | 39,969,000 | 40,805,000 | 40,605,000 | 41,463,000 |
| Equity capital | 15,008,000 | 15,399,000 | 16,659,000 | 16,948,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,340,000 | 4,762,000 | 7,203,000 | 9,669,000 |
| Interest expense | 764,000 | 1,484,000 | 2,211,000 | 2,921,000 |
| Net interest income | 1,576,000 | 3,278,000 | 4,992,000 | 6,748,000 |
| Noninterest income | 306,000 | 725,000 | 1,164,000 | 1,577,000 |
| Noninterest expense | 1,450,000 | 3,012,000 | 4,569,000 | 6,305,000 |
| Provision for loan losses | 46,000 | 92,000 | 138,000 | 138,000 |
| Pretax income | 386,000 | 899,000 | 1,449,000 | 1,882,000 |
| Income tax | 16,000 | 16,000 | 16,000 | 16,000 |
| Net income | 370,000 | 883,000 | 1,433,000 | 1,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,919,000 | 20,283,000 | 20,632,000 | 20,840,000 |