Call reports 2002
F&M BANK — 2002
What F&M BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 342,211,000 | 356,980,000 | 373,373,000 | 382,144,000 |
| Total loans | 272,299,000 | 286,451,000 | 297,149,000 | 300,708,000 |
| Allowance for loan losses | 2,913,000 | 3,032,000 | 3,638,000 | 2,707,000 |
| Securities available for sale | 33,590,000 | 37,045,000 | 35,120,000 | 42,558,000 |
| Securities held to maturity | 3,217,000 | 3,016,000 | 3,016,000 | 3,016,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,264,000 | 300,603,000 | 318,059,000 | 323,260,000 |
| Interest-bearing deposits | 255,187,000 | 269,964,000 | 285,122,000 | 290,177,000 |
| Noninterest-bearing deposits | 35,077,000 | 30,639,000 | 32,937,000 | 33,083,000 |
| Equity capital | 26,671,000 | 27,446,000 | 31,780,000 | 31,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,195,000 | 12,532,000 | 18,822,000 | 24,951,000 |
| Interest expense | 2,378,000 | 4,768,000 | 7,269,000 | 9,675,000 |
| Net interest income | 3,817,000 | 7,764,000 | 11,553,000 | 15,276,000 |
| Noninterest income | 1,471,000 | 2,941,000 | 4,481,000 | 6,766,000 |
| Noninterest expense | 3,717,000 | 7,405,000 | 11,232,000 | 16,065,000 |
| Provision for loan losses | 556,000 | 1,081,000 | 2,674,000 | 3,686,000 |
| Pretax income | 1,116,000 | 2,320,000 | 2,229,000 | 2,731,000 |
| Income tax | 95,000 | 545,000 | 12,000 | 453,000 |
| Net income | 1,021,000 | 1,775,000 | 2,217,000 | 2,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,285,000 | 26,747,000 | 30,874,000 | 31,257,000 |
| Total capital | 29,198,000 | 29,779,000 | 34,512,000 | 33,964,000 |
| Risk-weighted assets | 274,153,000 | 288,253,000 | 300,604,000 | 302,985,000 |
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