Call reports 2002
F&M BANK & TRUST COMPANY, THE — 2002
What F&M BANK & TRUST COMPANY, THE 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 | 869,018,000 | 880,469,000 | 924,495,000 | 945,627,000 |
| Total loans | 661,518,000 | 706,439,000 | 742,560,000 | 751,253,000 |
| Allowance for loan losses | 9,058,000 | 9,303,000 | 9,411,000 | 8,536,000 |
| Securities available for sale | 89,835,000 | 88,034,000 | 84,281,000 | 82,717,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 752,462,000 | 763,965,000 | 790,431,000 | 800,478,000 |
| Interest-bearing deposits | 580,135,000 | 597,806,000 | 594,439,000 | 592,717,000 |
| Noninterest-bearing deposits | 172,327,000 | 166,159,000 | 195,992,000 | 207,761,000 |
| Equity capital | 73,080,000 | 75,958,000 | 78,874,000 | 80,630,000 |
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 | 11,186,000 | 22,528,000 | 34,133,000 | 45,472,000 |
| Interest expense | 3,853,000 | 7,433,000 | 10,876,000 | 14,051,000 |
| Net interest income | 7,333,000 | 15,095,000 | 23,257,000 | 31,421,000 |
| Noninterest income | 3,641,000 | 6,511,000 | 10,078,000 | 13,876,000 |
| Noninterest expense | 7,677,000 | 14,537,000 | 22,295,000 | 30,571,000 |
| Provision for loan losses | 300,000 | 800,000 | 1,100,000 | 1,400,000 |
| Pretax income | 3,039,000 | 6,368,000 | 10,241,000 | 13,757,000 |
| Income tax | 791,000 | 1,846,000 | 3,140,000 | 4,205,000 |
| Net income | 2,248,000 | 4,522,000 | 7,101,000 | 9,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,645,000 | 75,038,000 | 77,397,000 | 78,628,000 |
| Total capital | 81,703,000 | 84,341,000 | 86,808,000 | 87,164,000 |
| Risk-weighted assets | 789,962,000 | 830,989,000 | 857,738,000 | 867,094,000 |