Call reports 2001
F & M BANK-WINCHESTER — 2001
What F & M BANK-WINCHESTER 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 | 1,213,124,000 | 1,047,027,000 | 1,164,552,000 | 1,413,464,000 |
| Total loans | 591,963,000 | 641,130,000 | 664,137,000 | 594,597,000 |
| Allowance for loan losses | 7,150,000 | 5,486,000 | 6,615,000 | 5,788,000 |
| Securities available for sale | 202,187,000 | 186,199,000 | 265,772,000 | 80,435,000 |
| Securities held to maturity | 101,940,000 | 94,948,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 769,964,000 | 762,247,000 | 758,702,000 | 783,880,000 |
| Interest-bearing deposits | 675,957,000 | 706,764,000 | 696,597,000 | 694,465,000 |
| Noninterest-bearing deposits | 94,007,000 | 55,483,000 | 62,105,000 | 89,415,000 |
| Equity capital | 97,494,000 | 97,949,000 | 101,133,000 | 105,222,000 |
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 | 17,943,000 | 35,623,000 | 52,215,000 | 68,755,000 |
| Interest expense | 8,039,000 | 15,192,000 | 21,720,000 | 27,623,000 |
| Net interest income | 9,904,000 | 20,431,000 | 30,495,000 | 41,132,000 |
| Noninterest income | 9,434,000 | 21,998,000 | 22,641,000 | 24,392,000 |
| Noninterest expense | 12,836,000 | 28,731,000 | 55,689,000 | 58,750,000 |
| Provision for loan losses | 300,000 | 800,000 | 2,000,000 | 2,000,000 |
| Pretax income | 6,202,000 | 12,898,000 | -4,553,000 | 12,497,000 |
| Income tax | 2,237,000 | 4,652,000 | -1,492,000 | 4,527,000 |
| Net income | 3,965,000 | 8,246,000 | -3,061,000 | 7,970,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,309,000 | 81,074,000 | 84,359,000 | 95,536,000 |
| Total capital | 83,595,000 | 86,725,000 | 91,122,000 | 101,324,000 |
| Risk-weighted assets | 630,384,000 | 609,983,000 | 636,487,000 | 665,298,000 |