Call reports 2004
F&M BANK — 2004
What F&M BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 226,738,000 | 222,339,000 | 215,507,000 | 217,262,000 |
| Total loans | 100,861,000 | 104,132,000 | 105,991,000 | 109,170,000 |
| Allowance for loan losses | 1,712,000 | 1,675,000 | 1,699,000 | 1,735,000 |
| Securities available for sale | 97,158,000 | 95,625,000 | 92,994,000 | 88,530,000 |
| Securities held to maturity | 9,794,000 | 8,084,000 | 6,762,000 | 6,482,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,731,000 | 182,130,000 | 173,635,000 | 176,240,000 |
| Interest-bearing deposits | 162,698,000 | 160,035,000 | 151,141,000 | 148,685,000 |
| Noninterest-bearing deposits | 22,033,000 | 22,095,000 | 22,494,000 | 27,555,000 |
| Equity capital | 35,608,000 | 34,236,000 | 36,192,000 | 36,143,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,632,000 | 5,372,000 | 8,110,000 | 10,451,000 |
| Interest expense | 925,000 | 1,789,000 | 2,612,000 | 3,419,000 |
| Net interest income | 1,707,000 | 3,583,000 | 5,498,000 | 7,032,000 |
| Noninterest income | 349,000 | 523,000 | 794,000 | 1,410,000 |
| Noninterest expense | 1,087,000 | 2,145,000 | 3,276,000 | 4,422,000 |
| Provision for loan losses | 45,000 | 90,000 | 149,000 | 209,000 |
| Pretax income | 924,000 | 1,871,000 | 2,867,000 | 3,811,000 |
| Income tax | 216,000 | 443,000 | 688,000 | 923,000 |
| Net income | 708,000 | 1,428,000 | 2,179,000 | 2,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,360,000 | 35,020,000 | 35,711,000 | 36,031,000 |
| Total capital | 35,888,000 | 36,580,000 | 37,263,000 | 37,619,000 |
| Risk-weighted assets | 122,054,000 | 124,731,000 | 124,006,000 | 126,917,000 |