Home > F & M Bank > Assets and Liabilities
F & M Bank, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 39 | 4,286 |
| Assets and Liabilities | ||
| Total Assets: | $161,387,000 | 2,881 |
| Cash and due from depository institutions | $7,121,000 | 4,286 |
| Interest-bearing balances | $0 | 6,854 |
| Securities | $37,287,000 | 2,973 |
| Federal funds sold & reverse repurchase agreements | $325,000 | 6,094 |
| Net loans & leases | $112,307,000 | 2,645 |
| Loan loss allowance | $1,537,000 | 2,336 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $1,808,000 | 4,293 |
| Other real estate owned | $163,000 | 4,286 |
| Goodwill and other intangibles | $225,000 | 2,340 |
| All other assets | $2,151,000 | 3,712 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $161,387,000 | 2,881 |
| Total liabilities | $147,910,000 | 2,860 |
| Total deposits | $121,278,000 | 3,131 |
| Interest-bearing deposits | $101,941,000 | 3,198 |
| Deposits held in domestic offices | $121,278,000 | 3,127 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $17,164,000 | 892 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $8,500,000 | 2,212 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $968,000 | 3,366 |
| Total equity capital | $13,477,000 | 3,267 |
| Total bank equity capital | $13,477,000 | 3,267 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $200,000 | 6,528 |
| Surplus | $7,800,000 | 2,052 |
| Undivided profits | $5,477,000 | 3,931 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $737,000 | 2,809 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $41,000 | 1,164 |
| Income earned, not collected on loans | $514,000 | 4,474 |
| Earning assets | $149,919,000 | 2,831 |
| Long-term assets (5+ years) | $29,078,000 | 2,611 |
| Average Assets, year-to-date | $152,852,400 | 2,930 |
| Average Assets, quarterly | $155,007,000 | 2,966 |
| Volatile liabilities | $33,176,000 | 2,349 |
| Insider loans | $3,292,000 | 1,428 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $20,821,000 | 2,294 |
| Tier 1 (core) risk-based capital | $13,639,000 | 3,214 |
| Tier 2 risk-based capital | $1,440,130 | 2,261 |
| Total risk weighted assets | $115,113,330 | 2,625 |
| Total unused commitments | $20,821,000 | 2,299 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 46 | 3,747 |
| Assets and Liabilities | ||
| Total Assets: | $156,108,000 | 2,923 |
| Cash and due from depository institutions | $7,091,000 | 3,747 |
| Interest-bearing balances | $0 | 6,728 |
| Securities | $24,199,000 | 4,253 |
| Federal funds sold & reverse repurchase agreements | $20,640,000 | 780 |
| Net loans & leases | $100,789,000 | 2,745 |
| Loan loss allowance | $1,331,000 | 2,580 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $1,713,000 | 4,381 |
| Other real estate owned | $250,000 | 3,747 |
| Goodwill and other intangibles | $245,000 | 2,245 |
| All other assets | $1,181,000 | 5,338 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $156,108,000 | 2,923 |
| Total liabilities | $144,558,000 | 2,852 |
| Total deposits | $132,307,000 | 2,867 |
| Interest-bearing deposits | $111,934,000 | 2,915 |
| Deposits held in domestic offices | $132,307,000 | 2,863 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $6,391,000 | 1,273 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $4,500,000 | 2,423 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $1,360,000 | 2,738 |
| Total equity capital | $11,550,000 | 3,837 |
| Total bank equity capital | $11,550,000 | 3,837 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $200,000 | 6,646 |
| Surplus | $5,800,000 | 2,500 |
| Undivided profits | $5,550,000 | 4,135 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $910,000 | 2,550 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $462,000 | 4,906 |
| Earning assets | $145,628,000 | 2,893 |
| Long-term assets (5+ years) | $25,142,000 | 2,697 |
| Average Assets, year-to-date | $138,275,800 | 3,104 |
| Average Assets, quarterly | $148,729,000 | 3,000 |
| Volatile liabilities | $15,436,000 | 3,708 |
| Insider loans | $5,445,000 | 760 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $24,557,000 | 1,913 |
| Tier 1 (core) risk-based capital | $11,299,000 | 3,759 |
| Tier 2 risk-based capital | $1,329,470 | 2,354 |
| Total risk weighted assets | $106,356,070 | 2,671 |
| Total unused commitments | $24,557,000 | 1,920 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 48 | 3,726 |
| Assets and Liabilities | ||
| Total Assets: | $136,530,000 | 3,241 |
| Cash and due from depository institutions | $8,233,000 | 3,726 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $19,854,000 | 4,935 |
| Federal funds sold & reverse repurchase agreements | $3,281,000 | 3,738 |
| Net loans & leases | $101,608,000 | 2,723 |
| Loan loss allowance | $1,191,000 | 2,884 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $1,682,000 | 4,356 |
| Other real estate owned | $303,000 | 3,726 |
| Goodwill and other intangibles | $265,000 | 2,122 |
| All other assets | $1,304,000 | 4,999 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $136,530,000 | 3,241 |
| Total liabilities | $126,180,000 | 3,163 |
| Total deposits | $123,935,000 | 3,013 |
| Interest-bearing deposits | $98,435,000 | 3,239 |
| Deposits held in domestic offices | $123,935,000 | 3,006 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $1,000,000 | 3,450 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $1,245,000 | 2,978 |
| Total equity capital | $10,350,000 | 4,167 |
| Total bank equity capital | $10,350,000 | 4,167 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $200,000 | 6,929 |
| Surplus | $5,800,000 | 2,449 |
| Undivided profits | $4,350,000 | 4,887 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $867,000 | 2,759 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $517,000 | 4,582 |
| Earning assets | $124,743,000 | 3,272 |
| Long-term assets (5+ years) | $25,057,000 | 2,385 |
| Average Assets, year-to-date | $127,056,400 | 3,316 |
| Average Assets, quarterly | $134,559,000 | 3,242 |
| Volatile liabilities | $14,709,000 | 3,822 |
| Insider loans | $1,540,000 | 2,564 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $16,427,000 | 2,449 |
| Tier 1 (core) risk-based capital | $10,110,000 | 4,122 |
| Tier 2 risk-based capital | $1,191,000 | 2,493 |
| Total risk weighted assets | $101,231,000 | 2,734 |
| Total unused commitments | $16,427,000 | 2,455 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 43 | 4,297 |
| Assets and Liabilities | ||
| Total Assets: | $119,570,000 | 3,758 |
| Cash and due from depository institutions | $5,411,000 | 4,297 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $19,436,000 | 5,409 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $91,041,000 | 3,010 |
| Loan loss allowance | $1,052,000 | 3,365 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $1,660,000 | 4,341 |
| Other real estate owned | $522,000 | 4,297 |
| Goodwill and other intangibles | $284,000 | 1,962 |
| All other assets | $1,216,000 | 5,432 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $119,570,000 | 3,758 |
| Total liabilities | $110,438,000 | 3,673 |
| Total deposits | $106,807,000 | 3,559 |
| Interest-bearing deposits | $89,375,000 | 3,644 |
| Deposits held in domestic offices | $106,807,000 | 3,547 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,545,000 | 2,074 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $1,086,000 | 3,318 |
| Total equity capital | $9,132,000 | 4,678 |
| Total bank equity capital | $9,132,000 | 4,678 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $200,000 | 7,308 |
| Surplus | $5,800,000 | 2,511 |
| Undivided profits | $3,132,000 | 5,948 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,270,000 | 2,235 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $455,000 | 5,088 |
| Earning assets | $110,477,000 | 3,729 |
| Long-term assets (5+ years) | $11,169,000 | 3,949 |
| Average Assets, year-to-date | $110,324,200 | 3,878 |
| Average Assets, quarterly | $117,844,000 | 3,755 |
| Volatile liabilities | $12,704,000 | 4,106 |
| Insider loans | $1,535,000 | 2,641 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $19,702,000 | 2,069 |
| Tier 1 (core) risk-based capital | $8,886,000 | 4,690 |
| Tier 2 risk-based capital | $1,052,000 | 2,833 |
| Total risk weighted assets | $88,900,900 | 3,089 |
| Total unused commitments | $19,702,000 | 2,083 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 36 | 5,163 |
| Assets and Liabilities | ||
| Total Assets: | $104,063,000 | 4,272 |
| Cash and due from depository institutions | $5,436,000 | 5,163 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $17,988,000 | 5,982 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $78,267,000 | 3,379 |
| Loan loss allowance | $1,079,000 | 3,305 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $1,198,000 | 5,420 |
| Other real estate owned | $0 | 5,163 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $1,174,000 | 5,667 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $104,063,000 | 4,272 |
| Total liabilities | $95,340,000 | 4,187 |
| Total deposits | $93,136,000 | 4,077 |
| Interest-bearing deposits | $76,046,000 | 4,287 |
| Deposits held in domestic offices | $93,136,000 | 4,067 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $1,091,000 | 2,635 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $1,113,000 | 3,320 |
| Total equity capital | $8,723,000 | 4,857 |
| Total bank equity capital | $8,723,000 | 4,857 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $200,000 | 7,680 |
| Surplus | $5,800,000 | 2,522 |
| Undivided profits | $2,723,000 | 6,531 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $860,000 | 2,936 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $503,000 | 4,713 |
| Earning assets | $96,255,000 | 4,240 |
| Long-term assets (5+ years) | $10,285,000 | 3,974 |
| Average Assets, year-to-date | $110,845,400 | 3,865 |
| Average Assets, quarterly | $105,802,500 | 4,148 |
| Volatile liabilities | $10,593,000 | 4,400 |
| Insider loans | $1,456,000 | 2,844 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $10,660,000 | 3,124 |
| Tier 1 (core) risk-based capital | $8,733,000 | 4,723 |
| Tier 2 risk-based capital | $984,900 | 2,942 |
| Total risk weighted assets | $78,697,700 | 3,363 |
| Total unused commitments | $10,660,000 | 3,137 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 37 | 5,222 |
| Assets and Liabilities | ||
| Total Assets: | $114,564,000 | 3,864 |
| Cash and due from depository institutions | $5,860,000 | 5,222 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $16,351,000 | 6,731 |
| Federal funds sold & reverse repurchase agreements | $12,805,000 | 750 |
| Net loans & leases | $77,048,000 | 3,362 |
| Loan loss allowance | $986,000 | 3,648 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $1,262,000 | 5,247 |
| Other real estate owned | $0 | 5,222 |
| Goodwill and other intangibles | $1,000 | 3,097 |
| All other assets | $1,237,000 | 5,763 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $114,564,000 | 3,864 |
| Total liabilities | $105,997,000 | 3,784 |
| Total deposits | $91,419,000 | 4,108 |
| Interest-bearing deposits | $77,975,000 | 4,166 |
| Deposits held in domestic offices | $91,419,000 | 4,099 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $13,692,000 | 1,089 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $886,000 | 3,365 |
| Total equity capital | $8,567,000 | 4,660 |
| Total bank equity capital | $8,567,000 | 4,660 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $200,000 | 8,122 |
| Surplus | $5,800,000 | 2,450 |
| Undivided profits | $2,567,000 | 6,397 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,167,000 | 2,369 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $14,000 | 1,441 |
| Income earned, not collected on loans | $457,000 | 4,583 |
| Earning assets | $106,204,000 | 3,810 |
| Long-term assets (5+ years) | $9,150,000 | 4,340 |
| Average Assets, year-to-date | $116,898,600 | 3,695 |
| Average Assets, quarterly | $124,483,000 | 3,544 |
| Volatile liabilities | $25,295,000 | 2,089 |
| Insider loans | $323,000 | 6,961 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $12,497,000 | 2,681 |
| Tier 1 (core) risk-based capital | $8,821,000 | 4,597 |
| Tier 2 risk-based capital | $986,000 | 2,955 |
| Total risk weighted assets | $80,306,400 | 3,258 |
| Total unused commitments | $12,497,000 | 2,692 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 45 | 4,561 |
| Assets and Liabilities | ||
| Total Assets: | $104,636,000 | 4,271 |
| Cash and due from depository institutions | $8,290,000 | 4,561 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $16,473,000 | 6,977 |
| Federal funds sold & reverse repurchase agreements | $1,500,000 | 6,677 |
| Net loans & leases | $75,027,000 | 3,370 |
| Loan loss allowance | $960,000 | 3,831 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $2,287,000 | 3,193 |
| Other real estate owned | $0 | 4,561 |
| Goodwill and other intangibles | $1,000 | 3,065 |
| All other assets | $1,058,000 | 5,855 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $104,636,000 | 4,271 |
| Total liabilities | $96,221,000 | 4,216 |
| Total deposits | $90,118,000 | 4,281 |
| Interest-bearing deposits | $77,684,000 | 4,319 |
| Deposits held in domestic offices | $90,118,000 | 4,274 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,250,000 | 1,466 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $853,000 | 3,531 |
| Total equity capital | $8,415,000 | 4,789 |
| Total bank equity capital | $8,415,000 | 4,789 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $200,000 | 8,542 |
| Surplus | $5,800,000 | 2,359 |
| Undivided profits | $2,415,000 | 6,913 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $733,000 | 3,893 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $18,000 | 1,474 |
| Income earned, not collected on loans | $442,000 | 4,242 |
| Earning assets | $93,000,000 | 4,416 |
| Long-term assets (5+ years) | $12,073,000 | 3,870 |
| Average Assets, year-to-date | $95,224,200 | 4,541 |
| Average Assets, quarterly | $100,856,500 | 4,367 |
| Volatile liabilities | $15,716,000 | 2,902 |
| Insider loans | $638,000 | 4,988 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $10,660,000 | 2,958 |
| Tier 1 (core) risk-based capital | $8,414,000 | 4,691 |
| Tier 2 risk-based capital | $925,620 | 3,092 |
| Total risk weighted assets | $74,015,020 | 3,473 |
| Total unused commitments | $10,660,000 | 2,977 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 36 | 5,656 |
| Assets and Liabilities | ||
| Total Assets: | $94,760,000 | 4,742 |
| Cash and due from depository institutions | $7,955,000 | 5,656 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $16,534,000 | 6,926 |
| Federal funds sold & reverse repurchase agreements | $6,000,000 | 2,741 |
| Net loans & leases | $62,073,000 | 4,050 |
| Loan loss allowance | $797,000 | 4,511 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $1,454,000 | 4,786 |
| Other real estate owned | $0 | 5,656 |
| Goodwill and other intangibles | $1,000 | 3,076 |
| All other assets | $743,000 | 7,759 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $94,760,000 | 4,742 |
| Total liabilities | $87,463,000 | 4,717 |
| Total deposits | $78,561,000 | 4,974 |
| Interest-bearing deposits | $69,190,000 | 4,924 |
| Deposits held in domestic offices | $78,561,000 | 4,965 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $8,166,000 | 1,099 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $736,000 | 4,208 |
| Total equity capital | $7,297,000 | 5,201 |
| Total bank equity capital | $7,297,000 | 5,201 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $200,000 | 8,967 |
| Surplus | $4,800,000 | 2,692 |
| Undivided profits | $2,297,000 | 6,936 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $499,000 | 5,654 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $388,000 | 5,196 |
| Earning assets | $84,607,000 | 4,860 |
| Long-term assets (5+ years) | $11,626,000 | 3,931 |
| Average Assets, year-to-date | $89,519,400 | 4,878 |
| Average Assets, quarterly | $90,387,000 | 4,913 |
| Volatile liabilities | $15,365,000 | 2,897 |
| Insider loans | $10,000 | 8,834 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $5,064,000 | 4,579 |
| Tier 1 (core) risk-based capital | $7,296,000 | 5,141 |
| Tier 2 risk-based capital | $762,550 | 3,685 |
| Total risk weighted assets | $60,969,250 | 4,170 |
| Total unused commitments | $5,064,000 | 4,604 |
| Derivatives | $0 | 651 |