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 | 246,626,000 | 258,174,000 | 269,060,000 | 273,564,000 |
| Total loans | 219,555,000 | 231,846,000 | 239,098,000 | 234,731,000 |
| Allowance for loan losses | 2,195,000 | 2,267,000 | 2,391,000 | 2,370,000 |
| Securities available for sale | 9,050,000 | 9,065,000 | 7,120,000 | 7,030,000 |
| Securities held to maturity | 850,000 | 777,000 | 777,000 | 650,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,669,000 | 228,070,000 | 240,544,000 | 242,657,000 |
| Interest-bearing deposits | 187,632,000 | 196,636,000 | 206,220,000 | 209,202,000 |
| Noninterest-bearing deposits | 31,037,000 | 31,434,000 | 34,324,000 | 33,455,000 |
| Equity capital | 23,544,000 | 24,598,000 | 25,175,000 | 27,113,000 |
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 | 4,244,000 | 8,610,000 | 13,022,000 | 17,427,000 |
| Interest expense | 1,118,000 | 2,312,000 | 3,517,000 | 4,633,000 |
| Net interest income | 3,126,000 | 6,298,000 | 9,505,000 | 12,794,000 |
| Noninterest income | 766,000 | 1,605,000 | 2,471,000 | 3,449,000 |
| Noninterest expense | 2,402,000 | 4,736,000 | 7,179,000 | 9,880,000 |
| Provision for loan losses | 97,000 | 230,000 | 683,000 | 970,000 |
| Pretax income | 1,393,000 | 2,937,000 | 4,114,000 | 5,393,000 |
| Income tax | 467,000 | 969,000 | 1,351,000 | 1,718,000 |
| Net income | 926,000 | 1,968,000 | 2,763,000 | 3,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,348,000 | 24,349,000 | 25,120,000 | 27,081,000 |
| Total capital | 25,568,000 | 26,634,000 | 27,529,000 | 29,469,000 |
| Risk-weighted assets | 223,076,000 | 231,383,000 | 240,157,000 | 241,934,000 |