Home > F&M Bank-Algoma > Assets and Liabilities
F&M Bank-Algoma, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 28 | 5,503 |
| Assets and Liabilities | ||
| Total Assets: | $100,963,000 | 4,380 |
| Cash and due from depository institutions | $3,053,000 | 5,503 |
| Interest-bearing balances | $82,000 | 5,098 |
| Securities | $23,527,000 | 4,312 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $69,269,000 | 4,006 |
| Loan loss allowance | $980,000 | 3,490 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $3,846,000 | 2,248 |
| Other real estate owned | $0 | 5,503 |
| Goodwill and other intangibles | $0 | 3,276 |
| All other assets | $1,268,000 | 5,430 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $100,963,000 | 4,380 |
| Total liabilities | $93,612,000 | 4,273 |
| Total deposits | $63,979,000 | 5,354 |
| Interest-bearing deposits | $55,599,000 | 5,291 |
| Deposits held in domestic offices | $63,979,000 | 5,351 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $6,429,000 | 1,497 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $22,800,000 | 1,228 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $404,000 | 6,043 |
| Total equity capital | $7,351,000 | 5,436 |
| Total bank equity capital | $7,351,000 | 5,436 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $460,000 | 4,993 |
| Surplus | $3,250,000 | 4,114 |
| Undivided profits | $3,641,000 | 5,033 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $490,000 | 3,695 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $457,000 | 4,896 |
| Earning assets | $92,878,000 | 4,334 |
| Long-term assets (5+ years) | $16,573,000 | 3,727 |
| Average Assets, year-to-date | $85,052,800 | 4,866 |
| Average Assets, quarterly | $97,490,000 | 4,457 |
| Volatile liabilities | $13,373,000 | 4,591 |
| Insider loans | $1,751,000 | 2,470 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $0 | 1,487 |
| Unused loan commitments | $9,882,000 | 3,761 |
| Tier 1 (core) risk-based capital | $7,652,000 | 5,300 |
| Tier 2 risk-based capital | $784,700 | 3,870 |
| Total risk weighted assets | $62,580,600 | 4,471 |
| Total unused commitments | $9,882,000 | 3,765 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 22 | 6,497 |
| Assets and Liabilities | ||
| Total Assets: | $71,165,000 | 5,657 |
| Cash and due from depository institutions | $1,689,000 | 6,497 |
| Interest-bearing balances | $26,000 | 5,905 |
| Securities | $24,265,000 | 4,243 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $42,082,000 | 5,524 |
| Loan loss allowance | $532,000 | 5,380 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $2,226,000 | 3,567 |
| Other real estate owned | $0 | 6,497 |
| Goodwill and other intangibles | $1,000 | 3,415 |
| All other assets | $902,000 | 6,289 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $71,165,000 | 5,657 |
| Total liabilities | $65,609,000 | 5,533 |
| Total deposits | $57,323,000 | 5,802 |
| Interest-bearing deposits | $50,972,000 | 5,651 |
| Deposits held in domestic offices | $57,323,000 | 5,799 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,218,000 | 1,905 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $5,300,000 | 2,185 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $768,000 | 4,303 |
| Total equity capital | $5,556,000 | 6,680 |
| Total bank equity capital | $5,556,000 | 6,680 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $460,000 | 5,044 |
| Surplus | $1,750,000 | 5,827 |
| Undivided profits | $3,346,000 | 5,591 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $398,000 | 4,524 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $341,000 | 6,083 |
| Earning assets | $66,373,000 | 5,580 |
| Long-term assets (5+ years) | $13,609,000 | 4,001 |
| Average Assets, year-to-date | $66,903,400 | 5,682 |
| Average Assets, quarterly | $69,621,000 | 5,653 |
| Volatile liabilities | $6,366,000 | 6,332 |
| Insider loans | $1,473,000 | 2,690 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $9,441,000 | 3,757 |
| Tier 1 (core) risk-based capital | $5,457,000 | 6,572 |
| Tier 2 risk-based capital | $532,000 | 4,989 |
| Total risk weighted assets | $46,450,100 | 5,339 |
| Total unused commitments | $9,441,000 | 3,763 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 18 | 7,503 |
| Assets and Liabilities | ||
| Total Assets: | $64,609,000 | 6,060 |
| Cash and due from depository institutions | $1,843,000 | 7,503 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $25,766,000 | 4,109 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,160 |
| Net loans & leases | $35,884,000 | 6,206 |
| Loan loss allowance | $430,000 | 6,284 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $356,000 | 8,642 |
| Other real estate owned | $0 | 7,503 |
| Goodwill and other intangibles | $2,000 | 3,517 |
| All other assets | $758,000 | 7,093 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $64,609,000 | 6,060 |
| Total liabilities | $59,751,000 | 5,899 |
| Total deposits | $51,835,000 | 6,269 |
| Interest-bearing deposits | $46,261,000 | 6,061 |
| Deposits held in domestic offices | $51,835,000 | 6,263 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $5,711,000 | 1,410 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $1,700,000 | 3,057 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $505,000 | 5,875 |
| Total equity capital | $4,858,000 | 7,288 |
| Total bank equity capital | $4,858,000 | 7,288 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $460,000 | 5,249 |
| Surplus | $1,750,000 | 5,858 |
| Undivided profits | $2,648,000 | 6,355 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $300,000 | 5,348 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $292,000 | 6,938 |
| Earning assets | $61,650,000 | 5,882 |
| Long-term assets (5+ years) | $11,221,000 | 4,049 |
| Average Assets, year-to-date | $58,282,800 | 6,271 |
| Average Assets, quarterly | $63,581,500 | 6,039 |
| Volatile liabilities | $8,482,000 | 5,544 |
| Insider loans | $1,679,000 | 2,387 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $4,149,000 | 5,656 |
| Tier 1 (core) risk-based capital | $4,784,000 | 7,202 |
| Tier 2 risk-based capital | $430,000 | 5,738 |
| Total risk weighted assets | $39,027,500 | 6,028 |
| Total unused commitments | $4,149,000 | 5,665 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 17 | 8,098 |
| Assets and Liabilities | ||
| Total Assets: | $50,988,000 | 7,172 |
| Cash and due from depository institutions | $1,462,000 | 8,098 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $25,857,000 | 4,406 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $22,645,000 | 7,994 |
| Loan loss allowance | $306,000 | 7,788 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $317,000 | 9,124 |
| Other real estate owned | $0 | 8,098 |
| Goodwill and other intangibles | $3,000 | 3,365 |
| All other assets | $704,000 | 7,616 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $50,988,000 | 7,172 |
| Total liabilities | $46,714,000 | 7,086 |
| Total deposits | $45,945,000 | 6,971 |
| Interest-bearing deposits | $40,970,000 | 6,782 |
| Deposits held in domestic offices | $45,945,000 | 6,964 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $411,000 | 3,332 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $358,000 | 7,216 |
| Total equity capital | $4,274,000 | 7,920 |
| Total bank equity capital | $4,274,000 | 7,920 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $460,000 | 5,563 |
| Surplus | $1,750,000 | 5,979 |
| Undivided profits | $2,064,000 | 7,179 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $396,000 | 4,903 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $6,000 | 1,715 |
| Income earned, not collected on loans | $162,000 | 9,107 |
| Earning assets | $48,502,000 | 7,006 |
| Long-term assets (5+ years) | $11,709,000 | 3,836 |
| Average Assets, year-to-date | $51,597,200 | 6,955 |
| Average Assets, quarterly | $50,879,000 | 7,126 |
| Volatile liabilities | $1,638,000 | 9,834 |
| Insider loans | $1,306,000 | 2,963 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $2,319,000 | 7,119 |
| Tier 1 (core) risk-based capital | $4,259,000 | 7,844 |
| Tier 2 risk-based capital | $306,000 | 7,135 |
| Total risk weighted assets | $26,473,600 | 7,588 |
| Total unused commitments | $2,319,000 | 7,134 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 19 | 7,970 |
| Assets and Liabilities | ||
| Total Assets: | $53,652,000 | 7,138 |
| Cash and due from depository institutions | $1,961,000 | 7,970 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $28,469,000 | 4,244 |
| Federal funds sold & reverse repurchase agreements | $2,000,000 | 5,529 |
| Net loans & leases | $20,273,000 | 8,535 |
| Loan loss allowance | $318,000 | 7,859 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $228,000 | 10,046 |
| Other real estate owned | $164,000 | 7,970 |
| Goodwill and other intangibles | $5,000 | 3,064 |
| All other assets | $552,000 | 8,797 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $53,652,000 | 7,138 |
| Total liabilities | $45,477,000 | 7,339 |
| Total deposits | $45,094,000 | 7,192 |
| Interest-bearing deposits | $39,071,000 | 7,148 |
| Deposits held in domestic offices | $45,094,000 | 7,188 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,736 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $383,000 | 7,345 |
| Total equity capital | $8,175,000 | 5,144 |
| Total bank equity capital | $8,175,000 | 5,144 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $460,000 | 5,862 |
| Surplus | $1,750,000 | 6,049 |
| Undivided profits | $5,965,000 | 3,956 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $493,000 | 4,319 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $186,000 | 614 |
| Income earned, not collected on loans | $154,000 | 9,636 |
| Earning assets | $50,742,000 | 6,988 |
| Long-term assets (5+ years) | $11,628,000 | 3,671 |
| Average Assets, year-to-date | $51,369,000 | 7,120 |
| Average Assets, quarterly | $52,836,000 | 7,130 |
| Volatile liabilities | $838,000 | 11,034 |
| Insider loans | $752,000 | 4,496 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $37,000 | 1,556 |
| Unused loan commitments | $1,679,000 | 7,864 |
| Tier 1 (core) risk-based capital | $7,947,000 | 5,123 |
| Tier 2 risk-based capital | $305,970 | 7,254 |
| Total risk weighted assets | $24,465,770 | 8,012 |
| Total unused commitments | $1,679,000 | 7,876 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 19 | 8,329 |
| Assets and Liabilities | ||
| Total Assets: | $51,028,000 | 7,415 |
| Cash and due from depository institutions | $1,740,000 | 8,329 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $26,846,000 | 4,696 |
| Federal funds sold & reverse repurchase agreements | $1,550,000 | 4,408 |
| Net loans & leases | $19,583,000 | 8,834 |
| Loan loss allowance | $348,000 | 7,779 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $221,000 | 10,493 |
| Other real estate owned | $301,000 | 8,329 |
| Goodwill and other intangibles | $6,000 | 2,975 |
| All other assets | $781,000 | 7,803 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $51,028,000 | 7,415 |
| Total liabilities | $43,702,000 | 7,647 |
| Total deposits | $43,512,000 | 7,467 |
| Interest-bearing deposits | $38,084,000 | 7,312 |
| Deposits held in domestic offices | $43,512,000 | 7,459 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 4,788 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $190,000 | 9,202 |
| Total equity capital | $7,326,000 | 5,298 |
| Total bank equity capital | $7,326,000 | 5,298 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $460,000 | 6,190 |
| Surplus | $1,750,000 | 6,065 |
| Undivided profits | $5,116,000 | 4,117 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $374,000 | 5,051 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $185,000 | 573 |
| Income earned, not collected on loans | $158,000 | 9,483 |
| Earning assets | $47,979,000 | 7,259 |
| Long-term assets (5+ years) | $12,311,000 | 3,625 |
| Average Assets, year-to-date | $50,548,800 | 7,349 |
| Average Assets, quarterly | $50,723,000 | 7,401 |
| Volatile liabilities | $108,000 | 12,399 |
| Insider loans | $518,000 | 5,577 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $1,975,000 | 7,504 |
| Tier 1 (core) risk-based capital | $7,586,000 | 5,233 |
| Tier 2 risk-based capital | $295,830 | 7,568 |
| Total risk weighted assets | $23,613,930 | 8,274 |
| Total unused commitments | $1,975,000 | 7,517 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 19 | 8,670 |
| Assets and Liabilities | ||
| Total Assets: | $50,787,000 | 7,667 |
| Cash and due from depository institutions | $1,961,000 | 8,670 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $24,141,000 | 5,368 |
| Federal funds sold & reverse repurchase agreements | $2,750,000 | 4,685 |
| Net loans & leases | $20,797,000 | 8,688 |
| Loan loss allowance | $401,000 | 7,378 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $206,000 | 11,130 |
| Other real estate owned | $177,000 | 8,670 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $755,000 | 7,440 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $50,787,000 | 7,667 |
| Total liabilities | $43,561,000 | 7,920 |
| Total deposits | $43,343,000 | 7,762 |
| Interest-bearing deposits | $38,020,000 | 7,651 |
| Deposits held in domestic offices | $43,343,000 | 7,754 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,944 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $218,000 | 8,891 |
| Total equity capital | $7,226,000 | 5,459 |
| Total bank equity capital | $7,226,000 | 5,459 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $460,000 | 6,484 |
| Surplus | $1,750,000 | 6,075 |
| Undivided profits | $5,016,000 | 4,340 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $282,000 | 6,579 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $1,000 | 1,909 |
| Income earned, not collected on loans | $151,000 | 9,446 |
| Earning assets | $47,688,000 | 7,540 |
| Long-term assets (5+ years) | $14,636,000 | 3,367 |
| Average Assets, year-to-date | $49,996,000 | 7,596 |
| Average Assets, quarterly | $50,802,500 | 7,600 |
| Volatile liabilities | $203,000 | 12,872 |
| Insider loans | $655,000 | 4,921 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $1,419,000 | 8,421 |
| Tier 1 (core) risk-based capital | $7,226,000 | 5,383 |
| Tier 2 risk-based capital | $303,690 | 7,528 |
| Total risk weighted assets | $24,198,190 | 8,288 |
| Total unused commitments | $1,419,000 | 8,447 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 19 | 8,886 |
| Assets and Liabilities | ||
| Total Assets: | $50,815,000 | 7,770 |
| Cash and due from depository institutions | $2,971,000 | 8,886 |
| Interest-bearing balances | $100,000 | 6,673 |
| Securities | $24,381,000 | 5,265 |
| Federal funds sold & reverse repurchase agreements | $1,500,000 | 7,479 |
| Net loans & leases | $20,778,000 | 8,744 |
| Loan loss allowance | $352,000 | 8,059 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $201,000 | 11,573 |
| Other real estate owned | $203,000 | 8,886 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $781,000 | 7,520 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $50,815,000 | 7,770 |
| Total liabilities | $44,083,000 | 8,042 |
| Total deposits | $43,856,000 | 7,884 |
| Interest-bearing deposits | $38,689,000 | 7,783 |
| Deposits held in domestic offices | $43,856,000 | 7,878 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,764 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $227,000 | 9,460 |
| Total equity capital | $6,732,000 | 5,558 |
| Total bank equity capital | $6,732,000 | 5,558 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $460,000 | 6,826 |
| Surplus | $1,750,000 | 5,992 |
| Undivided profits | $4,522,000 | 4,527 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $91,000 | 10,294 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $181,000 | 9,161 |
| Earning assets | $46,759,000 | 7,723 |
| Long-term assets (5+ years) | $14,375,000 | 3,346 |
| Average Assets, year-to-date | $48,709,400 | 7,840 |
| Average Assets, quarterly | $50,131,000 | 7,777 |
| Volatile liabilities | $214,000 | 13,427 |
| Insider loans | $6,000 | 9,084 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $1,590,000 | 7,961 |
| Tier 1 (core) risk-based capital | $6,732,000 | 5,494 |
| Tier 2 risk-based capital | $300,390 | 7,603 |
| Total risk weighted assets | $23,979,890 | 8,469 |
| Total unused commitments | $1,590,000 | 7,993 |
| Derivatives | $0 | 651 |