Call reports 2001
F&M BANK & TRUST COMPANY, THE — 2001
What F&M BANK & TRUST COMPANY, THE 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 | 876,220,000 | 874,248,000 | 863,500,000 | 877,311,000 |
| Total loans | 676,881,000 | 677,321,000 | 689,070,000 | 651,929,000 |
| Allowance for loan losses | 8,435,000 | 8,635,000 | 9,354,000 | 8,901,000 |
| Securities available for sale | 91,174,000 | 86,978,000 | 70,928,000 | 78,134,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 308,000 | 0 | 0 | 0 |
| Total deposits | 739,696,000 | 753,167,000 | 742,393,000 | 767,195,000 |
| Interest-bearing deposits | 604,068,000 | 604,889,000 | 602,052,000 | 695,243,000 |
| Noninterest-bearing deposits | 135,628,000 | 148,278,000 | 140,341,000 | 71,952,000 |
| Equity capital | 72,008,000 | 73,560,000 | 73,545,000 | 72,568,000 |
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 | 16,604,000 | 31,977,000 | 46,415,000 | 58,656,000 |
| Interest expense | 7,781,000 | 14,612,000 | 20,465,000 | 24,904,000 |
| Net interest income | 8,823,000 | 17,365,000 | 25,950,000 | 33,752,000 |
| Noninterest income | 2,123,000 | 5,412,000 | 8,635,000 | 11,642,000 |
| Noninterest expense | 6,731,000 | 14,665,000 | 22,103,000 | 29,260,000 |
| Provision for loan losses | 300,000 | 600,000 | 1,425,000 | 3,975,000 |
| Pretax income | 3,920,000 | 7,536,000 | 11,140,000 | 12,258,000 |
| Income tax | 1,153,000 | 2,203,000 | 3,265,000 | 3,427,000 |
| Net income | 2,767,000 | 5,333,000 | 7,875,000 | 8,831,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,551,000 | 72,557,000 | 72,217,000 | 71,589,000 |
| Total capital | 80,986,000 | 81,192,000 | 81,571,000 | 80,490,000 |
| Risk-weighted assets | 788,285,000 | 780,436,000 | 782,068,000 | 770,834,000 |