Call reports 2003
F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA — 2003
What F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA 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 | 46,195,000 | 46,648,000 | 43,918,000 | 45,981,000 |
| Total loans | 23,344,000 | 23,307,000 | 23,714,000 | 27,050,000 |
| Allowance for loan losses | 417,000 | 426,000 | 431,000 | 433,000 |
| Securities available for sale | 16,722,000 | 18,924,000 | 16,240,000 | 15,282,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,788,000 | 37,205,000 | 36,261,000 | 37,530,000 |
| Interest-bearing deposits | 30,907,000 | 28,851,000 | 27,860,000 | 28,776,000 |
| Noninterest-bearing deposits | 7,881,000 | 8,354,000 | 8,401,000 | 8,754,000 |
| Equity capital | 4,940,000 | 5,105,000 | 5,130,000 | 5,207,000 |
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 | 540,000 | 1,077,000 | 1,630,000 | 2,143,000 |
| Interest expense | 164,000 | 313,000 | 443,000 | 561,000 |
| Net interest income | 376,000 | 764,000 | 1,187,000 | 1,582,000 |
| Noninterest income | 116,000 | 249,000 | 391,000 | 516,000 |
| Noninterest expense | 327,000 | 628,000 | 960,000 | 1,315,000 |
| Provision for loan losses | 0 | 10,000 | 20,000 | 26,000 |
| Pretax income | 165,000 | 375,000 | 598,000 | 757,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 165,000 | 375,000 | 598,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,403,000 | 4,513,000 | 4,736,000 | 4,895,000 |
| Total capital | 4,781,000 | 4,895,000 | 5,113,000 | 5,304,000 |
| Risk-weighted assets | 30,241,000 | 30,497,000 | 30,106,000 | 32,689,000 |