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 | 79,117,000 | 80,406,000 | 82,373,000 | 86,106,000 |
| Total loans | 57,286,000 | 56,878,000 | 57,943,000 | 62,974,000 |
| Allowance for loan losses | 925,000 | 926,000 | 926,000 | 931,000 |
| Securities available for sale | 18,497,000 | 18,041,000 | 19,281,000 | 18,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,134,000 | 68,686,000 | 69,818,000 | 71,918,000 |
| Interest-bearing deposits | 57,758,000 | 60,333,000 | 62,084,000 | 60,426,000 |
| Noninterest-bearing deposits | 7,376,000 | 8,353,000 | 7,734,000 | 11,492,000 |
| Equity capital | 6,708,000 | 6,059,000 | 6,274,000 | 6,007,000 |
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 | 1,046,000 | 2,087,000 | 3,130,000 | 4,250,000 |
| Interest expense | 335,000 | 660,000 | 993,000 | 1,356,000 |
| Net interest income | 711,000 | 1,427,000 | 2,137,000 | 2,894,000 |
| Noninterest income | 81,000 | 147,000 | 225,000 | 313,000 |
| Noninterest expense | 410,000 | 808,000 | 1,238,000 | 1,877,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 382,000 | 766,000 | 1,124,000 | 1,330,000 |
| Income tax | 8,000 | 15,000 | 22,000 | 32,000 |
| Net income | 374,000 | 751,000 | 1,102,000 | 1,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,487,000 | 6,289,000 | 6,240,000 | 6,086,000 |
| Total capital | 7,263,000 | 7,058,000 | 7,028,000 | 6,930,000 |
| Risk-weighted assets | 61,935,000 | 61,397,000 | 62,879,000 | 67,435,000 |