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 | 230,642,000 | 227,766,000 | 237,804,000 | 238,679,000 |
| Total loans | 194,712,000 | 203,793,000 | 212,114,000 | 214,994,000 |
| Allowance for loan losses | 1,931,000 | 2,024,000 | 2,097,000 | 2,153,000 |
| Securities available for sale | 9,376,000 | 9,168,000 | 9,462,000 | 9,224,000 |
| Securities held to maturity | 601,000 | 971,000 | 971,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,657,000 | 201,203,000 | 209,911,000 | 211,389,000 |
| Interest-bearing deposits | 175,932,000 | 171,372,000 | 176,635,000 | 177,778,000 |
| Noninterest-bearing deposits | 28,725,000 | 29,831,000 | 33,276,000 | 33,611,000 |
| Equity capital | 21,272,000 | 21,928,000 | 23,068,000 | 22,705,000 |
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 | 4,689,000 | 9,409,000 | 14,002,000 | 18,471,000 |
| Interest expense | 2,051,000 | 3,894,000 | 5,561,000 | 6,858,000 |
| Net interest income | 2,638,000 | 5,515,000 | 8,441,000 | 11,613,000 |
| Noninterest income | 610,000 | 1,490,000 | 2,322,000 | 3,152,000 |
| Noninterest expense | 2,097,000 | 4,465,000 | 6,764,000 | 9,248,000 |
| Provision for loan losses | 57,000 | 214,000 | 316,000 | 517,000 |
| Pretax income | 1,094,000 | 2,326,000 | 3,683,000 | 5,000,000 |
| Income tax | 370,000 | 786,000 | 1,243,000 | 1,678,000 |
| Net income | 724,000 | 1,540,000 | 2,440,000 | 3,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,010,000 | 21,826,000 | 22,726,000 | 22,422,000 |
| Total capital | 22,959,000 | 23,872,000 | 24,845,000 | 24,599,000 |
| Risk-weighted assets | 194,634,000 | 206,364,000 | 217,601,000 | 219,209,000 |