Call reports 2004
F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA — 2004
What F & M BANK, NATIONAL ASSOCIATION, OKLAHOMA CITY, OKLAHOMA 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 | 47,828,000 | 48,016,000 | 47,630,000 | 46,504,000 |
| Total loans | 24,964,000 | 23,836,000 | 27,039,000 | 28,146,000 |
| Allowance for loan losses | 440,000 | 432,000 | 431,000 | 434,000 |
| Securities available for sale | 15,523,000 | 15,280,000 | 16,115,000 | 13,403,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,946,000 | 40,274,000 | 39,172,000 | 38,457,000 |
| Interest-bearing deposits | 30,288,000 | 30,896,000 | 28,887,000 | 28,219,000 |
| Noninterest-bearing deposits | 9,658,000 | 9,378,000 | 10,285,000 | 10,238,000 |
| Equity capital | 5,354,000 | 5,201,000 | 5,795,000 | 5,511,000 |
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 | 505,000 | 1,004,000 | 1,533,000 | 2,126,000 |
| Interest expense | 112,000 | 228,000 | 343,000 | 461,000 |
| Net interest income | 393,000 | 776,000 | 1,190,000 | 1,665,000 |
| Noninterest income | 157,000 | 290,000 | 443,000 | 571,000 |
| Noninterest expense | 350,000 | 731,000 | 1,152,000 | 1,620,000 |
| Provision for loan losses | 6,000 | 7,000 | 7,000 | 12,000 |
| Pretax income | 194,000 | 328,000 | 474,000 | 604,000 |
| Income tax | 10,000 | 24,000 | 24,000 | 24,000 |
| Net income | 184,000 | 304,000 | 450,000 | 580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,079,000 | 5,199,000 | 5,345,000 | 5,475,000 |
| Total capital | 5,475,000 | 5,597,000 | 5,772,000 | 5,896,000 |
| Risk-weighted assets | 31,665,000 | 31,817,000 | 34,168,000 | 33,695,000 |