Call reports 2001
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2001
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION 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 | 5,288,000 | 5,896,000 | 6,434,000 | 8,217,000 |
| Total loans | 3,723,000 | 4,328,000 | 4,914,000 | 6,197,000 |
| Allowance for loan losses | 37,000 | 43,000 | 49,000 | 56,000 |
| Securities available for sale | 635,000 | 639,000 | 638,000 | 1,159,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,329,000 | 3,924,000 | 4,466,000 | 6,233,000 |
| Interest-bearing deposits | 2,738,000 | 3,106,000 | 3,848,000 | 5,544,000 |
| Noninterest-bearing deposits | 591,000 | 818,000 | 618,000 | 689,000 |
| Equity capital | 1,910,000 | 1,904,000 | 1,913,000 | 1,892,000 |
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 | 106,000 | 245,000 | 387,000 | 572,000 |
| Interest expense | 37,000 | 73,000 | 110,000 | 151,000 |
| Net interest income | 69,000 | 172,000 | 277,000 | 421,000 |
| Noninterest income | 7,000 | 19,000 | 36,000 | 54,000 |
| Noninterest expense | 103,000 | 222,000 | 366,000 | 548,000 |
| Provision for loan losses | 14,000 | 21,000 | 29,000 | 37,000 |
| Pretax income | -41,000 | -52,000 | -82,000 | -110,000 |
| Income tax | -17,000 | -21,000 | -58,000 | -69,000 |
| Net income | -24,000 | -31,000 | -24,000 | -41,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,906,000 | 1,896,000 | 1,906,000 | 1,889,000 |
| Total capital | 1,943,000 | 1,939,000 | 1,955,000 | 1,945,000 |
| Risk-weighted assets | 4,111,000 | 4,506,000 | 5,243,000 | 6,225,000 |