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 | 75,079,000 | 74,515,000 | 72,990,000 | 74,968,000 |
| Total loans | 25,040,000 | 26,329,000 | 26,396,000 | 25,505,000 |
| Allowance for loan losses | 119,000 | 120,000 | 120,000 | 120,000 |
| Securities available for sale | 45,505,000 | 43,798,000 | 41,755,000 | 44,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,393,000 | 63,072,000 | 62,278,000 | 64,063,000 |
| Interest-bearing deposits | 58,544,000 | 56,839,000 | 55,733,000 | 56,050,000 |
| Noninterest-bearing deposits | 6,849,000 | 6,233,000 | 6,545,000 | 8,013,000 |
| Equity capital | 9,153,000 | 9,889,000 | 10,071,000 | 10,273,000 |
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 | 1,068,000 | 2,117,000 | 3,100,000 | 4,007,000 |
| Interest expense | 426,000 | 827,000 | 1,202,000 | 1,547,000 |
| Net interest income | 642,000 | 1,290,000 | 1,898,000 | 2,460,000 |
| Noninterest income | 52,000 | 109,000 | 165,000 | 240,000 |
| Noninterest expense | 356,000 | 708,000 | 1,062,000 | 1,411,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 338,000 | 691,000 | 1,001,000 | 1,289,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 338,000 | 691,000 | 1,001,000 | 1,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,199,000 | 9,420,000 | 9,625,000 | 9,802,000 |
| Total capital | 9,318,000 | 9,540,000 | 9,745,000 | 9,922,000 |
| Risk-weighted assets | 32,814,000 | 34,012,000 | 33,223,000 | 33,266,000 |