Call reports 2004
F&M BANK — 2004
What F&M BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 438,810,000 | 445,984,000 | 460,327,000 | 463,339,000 |
| Total loans | 366,304,000 | 372,233,000 | 374,947,000 | 384,183,000 |
| Allowance for loan losses | 3,720,000 | 4,096,000 | 3,516,000 | 3,551,000 |
| Securities available for sale | 38,175,000 | 36,781,000 | 48,123,000 | 46,585,000 |
| Securities held to maturity | 2,611,000 | 1,827,000 | 1,607,000 | 1,372,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 372,860,000 | 384,783,000 | 393,176,000 | 396,903,000 |
| Interest-bearing deposits | 331,315,000 | 342,330,000 | 351,362,000 | 349,540,000 |
| Noninterest-bearing deposits | 41,545,000 | 42,453,000 | 41,814,000 | 47,363,000 |
| Equity capital | 32,023,000 | 33,456,000 | 34,128,000 | 33,873,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,366,000 | 12,929,000 | 19,426,000 | 26,622,000 |
| Interest expense | 2,172,000 | 4,368,000 | 6,664,000 | 9,015,000 |
| Net interest income | 4,194,000 | 8,561,000 | 12,762,000 | 17,607,000 |
| Noninterest income | 1,246,000 | 2,682,000 | 4,229,000 | 5,328,000 |
| Noninterest expense | 3,991,000 | 8,046,000 | 12,103,000 | 16,559,000 |
| Provision for loan losses | 444,000 | 982,000 | 1,611,000 | 1,829,000 |
| Pretax income | 1,008,000 | 2,218,000 | 3,280,000 | 4,578,000 |
| Income tax | 384,000 | 717,000 | 1,091,000 | 1,538,000 |
| Net income | 624,000 | 1,501,000 | 2,189,000 | 3,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,303,000 | 33,178,000 | 33,366,000 | 33,317,000 |
| Total capital | 35,156,000 | 37,407,000 | 37,015,000 | 37,001,000 |
| Risk-weighted assets | 350,081,000 | 357,591,000 | 363,224,000 | 365,551,000 |
Machine access — free, no API key
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