Home > F&M Bank-Central > Assets and Liabilities
F&M Bank-Central, Assets and Liabilities
| 1999-12-31 | Rank | |
| # of Employees: | 50 | 3,453 |
| Assets and Liabilities | ||
| Total Assets: | $141,011,000 | 3,271 |
| Cash and due from depository institutions | $4,016,000 | 3,453 |
| Interest-bearing balances | $9,000 | 6,410 |
| Securities | $26,241,000 | 3,990 |
| Federal funds sold & reverse repurchase agreements | $0 | 6,825 |
| Net loans & leases | $101,788,000 | 2,877 |
| Loan loss allowance | $1,394,000 | 2,551 |
| Trading account assets | $0 | 165 |
| Bank premises and fixed assets | $3,959,000 | 2,186 |
| Other real estate owned | $147,000 | 3,453 |
| Goodwill and other intangibles | $2,989,000 | 861 |
| All other assets | $1,871,000 | 4,167 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $141,011,000 | 3,271 |
| Total liabilities | $127,364,000 | 3,276 |
| Total deposits | $106,486,000 | 3,524 |
| Interest-bearing deposits | $89,723,000 | 3,586 |
| Deposits held in domestic offices | $106,486,000 | 3,522 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $2,299,000 | 2,367 |
| Trading liabilities | $0 | 65 |
| Other borrowed funds | $18,000,000 | 1,412 |
| Subordinated debt | $0 | 242 |
| All other liabilities | $579,000 | 4,856 |
| Total equity capital | $13,647,000 | 3,222 |
| Total bank equity capital | $13,647,000 | 3,222 |
| Perpetual preferred stock | $0 | 193 |
| Common stock | $425,000 | 5,112 |
| Surplus | $9,225,000 | 1,766 |
| Undivided profits | $3,997,000 | 4,796 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $397,000 | 4,180 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,502 |
| Income earned, not collected on loans | $825,000 | 2,814 |
| Earning assets | $128,038,000 | 3,291 |
| Long-term assets (5+ years) | $15,294,000 | 3,907 |
| Average Assets, year-to-date | $132,292,200 | 3,341 |
| Average Assets, quarterly | $139,379,000 | 3,271 |
| Volatile liabilities | $27,825,000 | 2,692 |
| Insider loans | $375,000 | 6,015 |
| FHLB advances | $0 | 802 |
| Loans and leases held for sale | $240,000 | 1,151 |
| Unused loan commitments | $14,170,000 | 2,982 |
| Tier 1 (core) risk-based capital | $10,804,000 | 3,978 |
| Tier 2 risk-based capital | $1,389,890 | 2,333 |
| Total risk weighted assets | $111,187,190 | 2,709 |
| Total unused commitments | $14,170,000 | 2,987 |
| Derivatives | $0 | 488 |
| 1998-12-31 | Rank | |
| # of Employees: | 57 | 3,108 |
| Assets and Liabilities | ||
| Total Assets: | $124,444,000 | 3,597 |
| Cash and due from depository institutions | $4,684,000 | 3,108 |
| Interest-bearing balances | $2,000 | 6,622 |
| Securities | $25,847,000 | 4,064 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,346 |
| Net loans & leases | $85,099,000 | 3,185 |
| Loan loss allowance | $879,000 | 3,715 |
| Trading account assets | $0 | 197 |
| Bank premises and fixed assets | $4,119,000 | 1,959 |
| Other real estate owned | $0 | 3,108 |
| Goodwill and other intangibles | $3,375,000 | 752 |
| All other assets | $1,320,000 | 4,936 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $124,444,000 | 3,597 |
| Total liabilities | $112,351,000 | 3,567 |
| Total deposits | $101,216,000 | 3,665 |
| Interest-bearing deposits | $83,677,000 | 3,816 |
| Deposits held in domestic offices | $101,216,000 | 3,660 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $7,237,000 | 1,183 |
| Trading liabilities | $0 | 69 |
| Other borrowed funds | $3,000,000 | 2,848 |
| Subordinated debt | $0 | 255 |
| All other liabilities | $898,000 | 3,833 |
| Total equity capital | $12,093,000 | 3,682 |
| Total bank equity capital | $12,093,000 | 3,682 |
| Perpetual preferred stock | $0 | 199 |
| Common stock | $425,000 | 5,165 |
| Surplus | $8,225,000 | 1,883 |
| Undivided profits | $3,443,000 | 5,514 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $248,000 | 5,629 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,642 |
| Income earned, not collected on loans | $842,000 | 2,693 |
| Earning assets | $110,948,000 | 3,707 |
| Long-term assets (5+ years) | $12,345,000 | 4,229 |
| Average Assets, year-to-date | $117,463,800 | 3,601 |
| Average Assets, quarterly | $123,537,000 | 3,562 |
| Volatile liabilities | $12,327,000 | 4,368 |
| Insider loans | $1,744,000 | 2,363 |
| FHLB advances | $0 | 740 |
| Loans and leases held for sale | $2,487,000 | 742 |
| Unused loan commitments | $12,149,000 | 3,202 |
| Tier 1 (core) risk-based capital | $8,674,000 | 4,701 |
| Tier 2 risk-based capital | $879,000 | 3,382 |
| Total risk weighted assets | $87,943,300 | 3,166 |
| Total unused commitments | $12,149,000 | 3,206 |
| Derivatives | $0 | 527 |
| 1997-12-31 | Rank | |
| # of Employees: | 43 | 4,118 |
| Assets and Liabilities | ||
| Total Assets: | $113,896,000 | 3,850 |
| Cash and due from depository institutions | $2,904,000 | 4,118 |
| Interest-bearing balances | $14,000 | 6,011 |
| Securities | $25,647,000 | 4,123 |
| Federal funds sold & reverse repurchase agreements | $15,241,000 | 863 |
| Net loans & leases | $61,255,000 | 4,248 |
| Loan loss allowance | $758,000 | 4,217 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $4,028,000 | 1,958 |
| Other real estate owned | $0 | 4,118 |
| Goodwill and other intangibles | $3,786,000 | 670 |
| All other assets | $1,035,000 | 5,885 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $113,896,000 | 3,850 |
| Total liabilities | $103,337,000 | 3,802 |
| Total deposits | $102,559,000 | 3,608 |
| Interest-bearing deposits | $90,884,000 | 3,509 |
| Deposits held in domestic offices | $102,559,000 | 3,600 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,723 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $778,000 | 4,354 |
| Total equity capital | $10,559,000 | 4,096 |
| Total bank equity capital | $10,559,000 | 4,096 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $425,000 | 5,378 |
| Surplus | $7,725,000 | 1,968 |
| Undivided profits | $2,409,000 | 6,651 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $213,000 | 6,187 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $544,000 | 4,353 |
| Earning assets | $102,157,000 | 3,954 |
| Long-term assets (5+ years) | $6,543,000 | 5,354 |
| Average Assets, year-to-date | $89,504,000 | 4,589 |
| Average Assets, quarterly | $113,102,000 | 3,829 |
| Volatile liabilities | $6,808,000 | 6,209 |
| Insider loans | $1,171,000 | 3,186 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $264,000 | 1,233 |
| Unused loan commitments | $9,507,000 | 3,582 |
| Tier 1 (core) risk-based capital | $6,768,000 | 5,764 |
| Tier 2 risk-based capital | $758,000 | 3,716 |
| Total risk weighted assets | $71,697,700 | 3,747 |
| Total unused commitments | $9,507,000 | 3,584 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 31 | 5,680 |
| Assets and Liabilities | ||
| Total Assets: | $74,246,000 | 5,623 |
| Cash and due from depository institutions | $4,213,000 | 5,680 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $10,598,000 | 7,733 |
| Federal funds sold & reverse repurchase agreements | $6,783,000 | 1,936 |
| Net loans & leases | $48,012,000 | 5,185 |
| Loan loss allowance | $621,000 | 5,085 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $3,680,000 | 2,149 |
| Other real estate owned | $133,000 | 5,680 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $827,000 | 7,013 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $74,246,000 | 5,623 |
| Total liabilities | $67,958,000 | 5,544 |
| Total deposits | $67,336,000 | 5,353 |
| Interest-bearing deposits | $55,396,000 | 5,536 |
| Deposits held in domestic offices | $67,336,000 | 5,343 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $0 | 3,907 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $622,000 | 5,129 |
| Total equity capital | $6,288,000 | 6,256 |
| Total bank equity capital | $6,288,000 | 6,256 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $425,000 | 5,703 |
| Surplus | $4,325,000 | 3,231 |
| Undivided profits | $1,538,000 | 7,973 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $142,000 | 7,467 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $420,000 | 5,417 |
| Earning assets | $65,393,000 | 5,788 |
| Long-term assets (5+ years) | $5,819,000 | 5,528 |
| Average Assets, year-to-date | $62,793,600 | 6,164 |
| Average Assets, quarterly | $68,465,000 | 5,928 |
| Volatile liabilities | $5,761,000 | 6,636 |
| Insider loans | $1,753,000 | 2,382 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $104,000 | 1,381 |
| Unused loan commitments | $5,085,000 | 5,046 |
| Tier 1 (core) risk-based capital | $6,312,000 | 6,156 |
| Tier 2 risk-based capital | $621,000 | 4,463 |
| Total risk weighted assets | $50,146,700 | 5,046 |
| Total unused commitments | $5,085,000 | 5,060 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 30 | 5,997 |
| Assets and Liabilities | ||
| Total Assets: | $57,761,000 | 6,823 |
| Cash and due from depository institutions | $2,659,000 | 5,997 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $10,936,000 | 7,955 |
| Federal funds sold & reverse repurchase agreements | $274,000 | 8,819 |
| Net loans & leases | $42,004,000 | 5,629 |
| Loan loss allowance | $571,000 | 5,494 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $862,000 | 6,562 |
| Other real estate owned | $240,000 | 5,997 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $786,000 | 7,376 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $57,761,000 | 6,823 |
| Total liabilities | $53,075,000 | 6,714 |
| Total deposits | $52,646,000 | 6,538 |
| Interest-bearing deposits | $44,755,000 | 6,560 |
| Deposits held in domestic offices | $52,646,000 | 6,531 |
| % 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 | $429,000 | 6,863 |
| Total equity capital | $4,686,000 | 7,629 |
| Total bank equity capital | $4,686,000 | 7,629 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $425,000 | 6,011 |
| Surplus | $3,325,000 | 3,934 |
| Undivided profits | $936,000 | 9,396 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $365,000 | 5,091 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,782 |
| Income earned, not collected on loans | $425,000 | 5,494 |
| Earning assets | $53,214,000 | 6,787 |
| Long-term assets (5+ years) | $6,220,000 | 5,237 |
| Average Assets, year-to-date | $57,201,600 | 6,658 |
| Average Assets, quarterly | $58,172,500 | 6,729 |
| Volatile liabilities | $3,674,000 | 7,926 |
| Insider loans | $776,000 | 4,398 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $434,000 | 1,085 |
| Unused loan commitments | $3,851,000 | 5,685 |
| Tier 1 (core) risk-based capital | $4,723,000 | 7,477 |
| Tier 2 risk-based capital | $501,440 | 5,259 |
| Total risk weighted assets | $40,045,340 | 5,937 |
| Total unused commitments | $3,851,000 | 5,696 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 13 | 9,865 |
| Assets and Liabilities | ||
| Total Assets: | $27,188,000 | 10,132 |
| Cash and due from depository institutions | $1,150,000 | 9,865 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $6,764,000 | 10,020 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $18,734,000 | 9,017 |
| Loan loss allowance | $248,000 | 9,119 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $171,000 | 10,958 |
| Other real estate owned | $8,000 | 9,865 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $361,000 | 10,649 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $27,188,000 | 10,132 |
| Total liabilities | $24,877,000 | 10,062 |
| Total deposits | $24,568,000 | 9,968 |
| Interest-bearing deposits | $20,694,000 | 10,002 |
| Deposits held in domestic offices | $24,568,000 | 9,963 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $200,000 | 4,424 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $109,000 | 10,922 |
| Total equity capital | $2,311,000 | 10,457 |
| Total bank equity capital | $2,311,000 | 10,457 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $425,000 | 6,362 |
| Surplus | $1,575,000 | 6,439 |
| Undivided profits | $311,000 | 10,795 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $305,000 | 5,615 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $126,000 | 10,211 |
| Earning assets | $25,498,000 | 10,023 |
| Long-term assets (5+ years) | $2,955,000 | 7,419 |
| Average Assets, year-to-date | $27,307,400 | 10,051 |
| Average Assets, quarterly | $27,915,500 | 10,019 |
| Volatile liabilities | $1,424,000 | 10,466 |
| Insider loans | $45,000 | 10,365 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $1,604,000 | 8,081 |
| Tier 1 (core) risk-based capital | $2,408,000 | 10,411 |
| Tier 2 risk-based capital | $222,220 | 8,725 |
| Total risk weighted assets | $17,751,620 | 9,457 |
| Total unused commitments | $1,604,000 | 8,091 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 15 | 9,718 |
| Assets and Liabilities | ||
| Total Assets: | $26,711,000 | 10,633 |
| Cash and due from depository institutions | $2,219,000 | 9,718 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $7,288,000 | 10,179 |
| Federal funds sold & reverse repurchase agreements | $250,000 | 9,779 |
| Net loans & leases | $16,517,000 | 9,623 |
| Loan loss allowance | $213,000 | 9,992 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $184,000 | 11,329 |
| Other real estate owned | $0 | 9,718 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $253,000 | 11,751 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $26,711,000 | 10,633 |
| Total liabilities | $24,355,000 | 10,571 |
| Total deposits | $24,207,000 | 10,482 |
| Interest-bearing deposits | $19,882,000 | 10,612 |
| Deposits held in domestic offices | $24,207,000 | 10,478 |
| % 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 | $148,000 | 10,423 |
| Total equity capital | $2,356,000 | 10,767 |
| Total bank equity capital | $2,356,000 | 10,767 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $425,000 | 6,671 |
| Surplus | $1,575,000 | 6,467 |
| Undivided profits | $356,000 | 11,275 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $180,000 | 7,841 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,950 |
| Income earned, not collected on loans | $88,000 | 11,379 |
| Earning assets | $24,055,000 | 10,669 |
| Long-term assets (5+ years) | $3,915,000 | 7,114 |
| Average Assets, year-to-date | $26,261,200 | 10,582 |
| Average Assets, quarterly | $25,839,000 | 10,713 |
| Volatile liabilities | $916,000 | 11,531 |
| Insider loans | $162,000 | 8,806 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $273,000 | 1,397 |
| Unused loan commitments | $1,641,000 | 8,052 |
| Tier 1 (core) risk-based capital | $2,356,000 | 10,729 |
| Tier 2 risk-based capital | $194,800 | 9,488 |
| Total risk weighted assets | $15,565,900 | 10,242 |
| Total unused commitments | $1,641,000 | 8,076 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 15 | 10,021 |
| Assets and Liabilities | ||
| Total Assets: | $27,532,000 | 10,797 |
| Cash and due from depository institutions | $1,990,000 | 10,021 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $6,102,000 | 11,008 |
| Federal funds sold & reverse repurchase agreements | $5,200,000 | 3,123 |
| Net loans & leases | $13,650,000 | 10,565 |
| Loan loss allowance | $208,000 | 10,348 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $213,000 | 11,446 |
| Other real estate owned | $107,000 | 10,021 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $270,000 | 12,083 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $27,532,000 | 10,797 |
| Total liabilities | $25,288,000 | 10,744 |
| Total deposits | $25,177,000 | 10,641 |
| Interest-bearing deposits | $21,060,000 | 10,731 |
| Deposits held in domestic offices | $25,177,000 | 10,637 |
| % 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 | $111,000 | 12,075 |
| Total equity capital | $2,244,000 | 11,024 |
| Total bank equity capital | $2,244,000 | 11,024 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $425,000 | 7,006 |
| Surplus | $1,400,000 | 6,861 |
| Undivided profits | $419,000 | 11,257 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $44,000 | 11,412 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $86,000 | 11,994 |
| Earning assets | $24,952,000 | 10,789 |
| Long-term assets (5+ years) | $2,724,000 | 8,242 |
| Average Assets, year-to-date | $26,820,400 | 10,777 |
| Average Assets, quarterly | $26,759,000 | 10,872 |
| Volatile liabilities | $819,000 | 12,156 |
| Insider loans | $80,000 | 6,262 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $28,000 | 1,198 |
| Unused loan commitments | $1,274,000 | 8,561 |
| Tier 1 (core) risk-based capital | $2,244,000 | 10,976 |
| Tier 2 risk-based capital | $161,280 | 10,362 |
| Total risk weighted assets | $12,855,380 | 11,218 |
| Total unused commitments | $1,274,000 | 8,588 |
| Derivatives | $0 | 651 |