For any acid solution, the concentration refers to the initial, unionized concentration. For example, if you had 1M HCl, you really mostly have H
3O
+ and Cl
-, and only trace amount of HCl. Weak acids barely dissociate but regardless, the concentration given refers to the formal (initial) concentration, rather than equilibrium concentration.
You don't need to do equilibrium 1. Yes, that would be the equilibrium state of the solution before NaOH is added. But once the strong base is added, reaction 1 is driven to the right as acid-base neutralization occurs. Acids and bases react practically to completion because H
3O
+ + OH
- 
H
2O lies so far to the right. Essentially, what is happening is that OH
- reacts with the trace amounts of H
3O
+ that initially exist, but as the H
3O
+ is used up, equilibrium 1 shifts to the right, until all the OH
- has been used. But remember that reaction 1 itself produces the conjugate base of formic acid, formate. Instead of thinking of these as one reaction driving the other reaction, just combine them to give HCOOH + OH
- 
HCOO
- + H
2O. The reaction practically goes to completion.
The answer can be calculated using the Hendersen-Hasselbach equation. I'm not exactly sure what you did for equilibrium 2. If you wanted to solve it using equilibrium, you would have some concentration of HCOOH remaining, as well as some concentration of HCOO
- due to the neutralization. Then you would solve for H
3O
+ concentration using Ka.