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 | 78,803,000 | 78,793,000 | 77,529,000 | 79,164,000 |
| Total loans | 60,220,000 | 61,601,000 | 61,060,000 | 61,534,000 |
| Allowance for loan losses | 964,000 | 965,000 | 992,000 | 1,049,000 |
| Securities available for sale | 13,609,000 | 12,200,000 | 11,028,000 | 10,186,000 |
| Securities held to maturity | 175,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,150,000 | 61,019,000 | 62,189,000 | 64,874,000 |
| Interest-bearing deposits | 59,174,000 | 55,483,000 | 56,426,000 | 58,445,000 |
| Noninterest-bearing deposits | 5,976,000 | 5,536,000 | 5,763,000 | 6,429,000 |
| Equity capital | 6,498,000 | 6,273,000 | 6,398,000 | 6,073,000 |
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 | 1,297,000 | 2,609,000 | 3,868,000 | 5,103,000 |
| Interest expense | 561,000 | 1,082,000 | 1,586,000 | 2,069,000 |
| Net interest income | 736,000 | 1,527,000 | 2,282,000 | 3,034,000 |
| Noninterest income | 77,000 | 145,000 | 219,000 | 482,000 |
| Noninterest expense | 422,000 | 825,000 | 1,257,000 | 1,804,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 20,000 |
| Pretax income | 391,000 | 847,000 | 1,229,000 | 1,692,000 |
| Income tax | 7,000 | 15,000 | 23,000 | 30,000 |
| Net income | 384,000 | 832,000 | 1,206,000 | 1,662,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,358,000 | 6,031,000 | 6,105,000 | 5,811,000 |
| Total capital | 7,148,000 | 6,838,000 | 6,903,000 | 6,619,000 |
| Risk-weighted assets | 63,016,000 | 64,365,000 | 63,660,000 | 64,387,000 |