Call reports 2001
F&M BANK — 2001
What F&M BANK 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 | 188,218,000 | 188,909,000 | 192,472,000 | 199,250,000 |
| Total loans | 92,236,000 | 92,403,000 | 95,221,000 | 96,481,000 |
| Allowance for loan losses | 1,672,000 | 1,747,000 | 1,802,000 | 1,745,000 |
| Securities available for sale | 29,193,000 | 37,394,000 | 48,562,000 | 49,836,000 |
| Securities held to maturity | 45,359,000 | 38,596,000 | 33,413,000 | 31,519,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,923,000 | 150,120,000 | 152,673,000 | 160,032,000 |
| Interest-bearing deposits | 134,091,000 | 134,639,000 | 137,150,000 | 142,417,000 |
| Noninterest-bearing deposits | 15,832,000 | 15,481,000 | 15,523,000 | 17,615,000 |
| Equity capital | 28,629,000 | 29,129,000 | 30,041,000 | 29,865,000 |
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 | 3,323,000 | 6,608,000 | 9,952,000 | 13,327,000 |
| Interest expense | 1,827,000 | 3,687,000 | 5,501,000 | 7,232,000 |
| Net interest income | 1,496,000 | 2,921,000 | 4,451,000 | 6,095,000 |
| Noninterest income | 229,000 | 481,000 | 739,000 | 944,000 |
| Noninterest expense | 860,000 | 1,722,000 | 2,647,000 | 3,680,000 |
| Provision for loan losses | 55,000 | 130,000 | 195,000 | 225,000 |
| Pretax income | 810,000 | 1,550,000 | 2,348,000 | 3,134,000 |
| Income tax | 205,000 | 380,000 | 560,000 | 782,000 |
| Net income | 605,000 | 1,170,000 | 1,788,000 | 2,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,465,000 | 29,000,000 | 29,588,000 | 29,884,000 |
| Total capital | 29,777,000 | 30,353,000 | 30,928,000 | 31,249,000 |
| Risk-weighted assets | 104,650,000 | 107,837,000 | 106,730,000 | 108,853,000 |