Call reports 2001
F&M BANK — 2001
What F&M BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 78,009,000 | 78,104,000 | 81,209,000 | 83,058,000 |
| Total loans | 57,357,000 | 58,218,000 | 58,571,000 | 62,083,000 |
| Allowance for loan losses | 892,000 | 909,000 | 926,000 | 968,000 |
| Securities available for sale | 15,102,000 | 14,860,000 | 16,119,000 | 14,483,000 |
| Securities held to maturity | 175,000 | 175,000 | 175,000 | 175,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,298,000 | 63,485,000 | 64,381,000 | 68,857,000 |
| Interest-bearing deposits | 59,367,000 | 58,260,000 | 59,274,000 | 62,007,000 |
| Noninterest-bearing deposits | 4,931,000 | 5,225,000 | 5,107,000 | 6,850,000 |
| Equity capital | 6,672,000 | 6,180,000 | 6,396,000 | 6,236,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,230,000 | 4,693,000 | 6,143,000 |
| Interest expense | 908,000 | 1,729,000 | 2,495,000 | 3,192,000 |
| Net interest income | 740,000 | 1,501,000 | 2,198,000 | 2,951,000 |
| Noninterest income | 78,000 | 149,000 | 234,000 | 305,000 |
| Noninterest expense | 406,000 | 786,000 | 1,174,000 | 1,600,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 397,000 | 834,000 | 1,213,000 | 1,598,000 |
| Income tax | 8,000 | 15,000 | 22,000 | 31,000 |
| Net income | 389,000 | 819,000 | 1,191,000 | 1,567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,471,000 | 6,001,000 | 5,997,000 | 5,974,000 |
| Total capital | 7,236,000 | 6,769,000 | 6,777,000 | 6,793,000 |
| Risk-weighted assets | 61,046,000 | 61,314,000 | 62,288,000 | 65,369,000 |