Call reports 2003
F&M BANK — 2003
What F&M BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 379,851,000 | 403,539,000 | 414,924,000 | 425,624,000 |
| Total loans | 302,771,000 | 335,809,000 | 350,945,000 | 358,576,000 |
| Allowance for loan losses | 2,981,000 | 3,489,000 | 4,035,000 | 3,523,000 |
| Securities available for sale | 37,480,000 | 30,377,000 | 28,891,000 | 30,818,000 |
| Securities held to maturity | 3,015,000 | 2,735,000 | 2,611,000 | 2,611,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,529,000 | 333,260,000 | 338,773,000 | 353,445,000 |
| Interest-bearing deposits | 291,945,000 | 296,993,000 | 303,697,000 | 312,730,000 |
| Noninterest-bearing deposits | 32,584,000 | 36,267,000 | 35,076,000 | 40,715,000 |
| Equity capital | 31,983,000 | 32,189,000 | 29,922,000 | 31,404,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,897,000 | 12,058,000 | 18,359,000 | 24,668,000 |
| Interest expense | 2,256,000 | 4,438,000 | 6,580,000 | 8,727,000 |
| Net interest income | 3,641,000 | 7,620,000 | 11,779,000 | 15,941,000 |
| Noninterest income | 1,518,000 | 3,091,000 | 4,494,000 | 6,002,000 |
| Noninterest expense | 3,837,000 | 7,858,000 | 12,407,000 | 16,752,000 |
| Provision for loan losses | 310,000 | 1,113,000 | 3,729,000 | 3,729,000 |
| Pretax income | 1,012,000 | 2,150,000 | 553,000 | 1,878,000 |
| Income tax | 338,000 | 699,000 | 713,000 | 658,000 |
| Net income | 674,000 | 1,451,000 | -160,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,461,000 | 31,682,000 | 29,472,000 | 30,778,000 |
| Total capital | 34,437,000 | 35,171,000 | 33,507,000 | 34,434,000 |
| Risk-weighted assets | 307,825,000 | 339,619,000 | 334,062,000 | 342,436,000 |
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