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 | 310,419,000 | 318,615,000 | 325,734,000 | 324,598,000 |
| Total loans | 274,392,000 | 279,339,000 | 277,739,000 | 269,866,000 |
| Allowance for loan losses | 2,703,000 | 2,748,000 | 2,764,000 | 2,699,000 |
| Securities available for sale | 6,515,000 | 6,269,000 | 7,009,000 | 8,325,000 |
| Securities held to maturity | 392,000 | 318,000 | 318,000 | 242,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,481,000 | 283,206,000 | 289,561,000 | 285,028,000 |
| Interest-bearing deposits | 235,312,000 | 236,061,000 | 242,948,000 | 239,952,000 |
| Noninterest-bearing deposits | 40,169,000 | 47,145,000 | 46,613,000 | 45,076,000 |
| Equity capital | 30,625,000 | 31,274,000 | 32,102,000 | 34,681,000 |
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 | 4,218,000 | 8,453,000 | 12,990,000 | 17,499,000 |
| Interest expense | 959,000 | 1,928,000 | 2,985,000 | 4,108,000 |
| Net interest income | 3,259,000 | 6,525,000 | 10,005,000 | 13,391,000 |
| Noninterest income | 782,000 | 1,642,000 | 2,449,000 | 3,236,000 |
| Noninterest expense | 2,980,000 | 5,911,000 | 8,981,000 | 12,317,000 |
| Provision for loan losses | 76,000 | 210,000 | 260,000 | 452,000 |
| Pretax income | 985,000 | 2,046,000 | 3,213,000 | 3,603,000 |
| Income tax | 294,000 | 613,000 | 960,000 | 1,041,000 |
| Net income | 691,000 | 1,433,000 | 2,253,000 | 2,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,673,000 | 31,415,000 | 32,210,000 | 34,625,000 |
| Total capital | 33,394,000 | 34,180,000 | 34,990,000 | 37,341,000 |
| Risk-weighted assets | 286,060,000 | 290,738,000 | 292,455,000 | 286,789,000 |