Call reports 2001
F & M BANK AND TRUST COMPANY — 2001
What F & M BANK AND TRUST COMPANY 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 | 51,272,000 | 52,345,000 | 55,373,000 | 56,705,000 |
| Total loans | 34,948,000 | 35,703,000 | 36,680,000 | 37,670,000 |
| Allowance for loan losses | 790,000 | 828,000 | 855,000 | 878,000 |
| Securities available for sale | 11,114,000 | 9,240,000 | 9,558,000 | 11,457,000 |
| Securities held to maturity | 213,000 | 213,000 | 213,000 | 213,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,112,000 | 42,839,000 | 45,867,000 | 46,849,000 |
| Interest-bearing deposits | 34,531,000 | 35,880,000 | 38,549,000 | 39,694,000 |
| Noninterest-bearing deposits | 7,581,000 | 6,959,000 | 7,318,000 | 7,155,000 |
| Equity capital | 5,302,000 | 5,408,000 | 5,606,000 | 5,808,000 |
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 | 1,189,000 | 2,353,000 | 3,504,000 | 4,730,000 |
| Interest expense | 512,000 | 1,033,000 | 1,553,000 | 2,002,000 |
| Net interest income | 677,000 | 1,320,000 | 1,951,000 | 2,728,000 |
| Noninterest income | 156,000 | 323,000 | 538,000 | 773,000 |
| Noninterest expense | 597,000 | 1,154,000 | 1,756,000 | 2,372,000 |
| Provision for loan losses | 60,000 | 120,000 | 165,000 | 226,000 |
| Pretax income | 176,000 | 369,000 | 568,000 | 1,020,000 |
| Income tax | 49,000 | 111,000 | 169,000 | 302,000 |
| Net income | 127,000 | 258,000 | 399,000 | 718,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,127,000 | 5,234,000 | 5,375,000 | 5,689,000 |
| Total capital | 5,577,000 | 5,704,000 | 5,871,000 | 6,195,000 |
| Risk-weighted assets | 35,695,000 | 37,481,000 | 39,337,000 | 40,096,000 |