Call reports 2002
F&M BANK — 2002
What F&M BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 207,057,000 | 207,521,000 | 204,092,000 | 203,232,000 |
| Total loans | 96,158,000 | 95,712,000 | 96,933,000 | 96,828,000 |
| Allowance for loan losses | 1,800,000 | 1,818,000 | 1,862,000 | 1,812,000 |
| Securities available for sale | 56,901,000 | 65,820,000 | 69,981,000 | 71,829,000 |
| Securities held to maturity | 28,993,000 | 24,182,000 | 21,587,000 | 18,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,976,000 | 166,455,000 | 161,800,000 | 161,291,000 |
| Interest-bearing deposits | 149,784,000 | 148,216,000 | 142,967,000 | 144,307,000 |
| Noninterest-bearing deposits | 18,192,000 | 18,239,000 | 18,833,000 | 16,984,000 |
| Equity capital | 30,181,000 | 31,664,000 | 33,042,000 | 33,153,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,139,000 | 6,353,000 | 9,436,000 | 12,045,000 |
| Interest expense | 1,616,000 | 3,178,000 | 4,653,000 | 6,047,000 |
| Net interest income | 1,523,000 | 3,175,000 | 4,783,000 | 5,998,000 |
| Noninterest income | 204,000 | 389,000 | 625,000 | 1,059,000 |
| Noninterest expense | 923,000 | 1,945,000 | 2,823,000 | 3,927,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 165,000 |
| Pretax income | 759,000 | 1,529,000 | 2,450,000 | 2,965,000 |
| Income tax | 158,000 | 333,000 | 553,000 | 608,000 |
| Net income | 601,000 | 1,196,000 | 1,897,000 | 2,357,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,454,000 | 31,020,000 | 31,690,000 | 31,852,000 |
| Total capital | 31,865,000 | 32,480,000 | 33,146,000 | 33,245,000 |
| Risk-weighted assets | 112,521,000 | 116,417,000 | 116,099,000 | 111,054,000 |