Call reports 2001
F & M BANK - CENTRAL VIRGINIA — 2001
What F & M BANK - CENTRAL VIRGINIA 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 | 216,967,000 | 251,562,000 | 216,082,000 | 216,505,000 |
| Total loans | 48,355,000 | 52,541,000 | 53,663,000 | 48,625,000 |
| Allowance for loan losses | 539,000 | 440,000 | 1,070,000 | 1,052,000 |
| Securities available for sale | 80,328,000 | 106,827,000 | 95,331,000 | 53,134,000 |
| Securities held to maturity | 32,863,000 | 28,109,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,481,000 | 223,196,000 | 186,333,000 | 188,314,000 |
| Interest-bearing deposits | 151,883,000 | 186,300,000 | 152,516,000 | 151,098,000 |
| Noninterest-bearing deposits | 34,598,000 | 36,896,000 | 33,817,000 | 37,216,000 |
| Equity capital | 21,251,000 | 20,666,000 | 21,990,000 | 21,606,000 |
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 | 3,485,000 | 6,864,000 | 10,154,000 | 12,736,000 |
| Interest expense | 1,644,000 | 3,166,000 | 4,636,000 | 5,871,000 |
| Net interest income | 1,841,000 | 3,698,000 | 5,518,000 | 6,865,000 |
| Noninterest income | 427,000 | 797,000 | 1,251,000 | 2,114,000 |
| Noninterest expense | 1,531,000 | 3,769,000 | 5,481,000 | 7,333,000 |
| Provision for loan losses | 0 | 45,000 | 645,000 | 645,000 |
| Pretax income | 737,000 | 681,000 | 643,000 | 2,719,000 |
| Income tax | 252,000 | 231,000 | 200,000 | 925,000 |
| Net income | 485,000 | 450,000 | 443,000 | 1,794,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,535,000 | 10,979,000 | 11,120,000 | 12,618,000 |
| Total capital | 11,074,000 | 11,419,000 | 12,165,000 | 13,623,000 |
| Risk-weighted assets | 80,948,000 | 92,530,000 | 83,536,000 | 80,384,000 |