Call reports 2002
F & M COMMUNITY BANK, NATIONAL ASSOCIATION — 2002
What F & M COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Total assets | 8,714,000 | 8,962,000 |
| Total loans | 6,723,000 | 6,458,000 |
| Allowance for loan losses | 72,000 | 79,000 |
| Securities available for sale | 1,024,000 | 1,041,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 6,845,000 | 7,100,000 |
| Interest-bearing deposits | 5,998,000 | 6,427,000 |
| Noninterest-bearing deposits | 847,000 | 673,000 |
| Equity capital | 1,819,000 | 1,814,000 |
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 |
|---|---|---|
| Interest income | 147,000 | 305,000 |
| Interest expense | 43,000 | 81,000 |
| Net interest income | 104,000 | 224,000 |
| Noninterest income | 18,000 | 41,000 |
| Noninterest expense | 136,000 | 285,000 |
| Provision for loan losses | 17,000 | 33,000 |
| Pretax income | -31,000 | -53,000 |
| Income tax | 34,000 | 34,000 |
| Net income | -65,000 | -87,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 |
|---|---|---|
| Tier 1 capital | 1,824,000 | 1,802,000 |
| Total capital | 1,896,000 | 1,881,000 |
| Risk-weighted assets | 6,945,000 | 6,775,000 |