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F & M Bank-Keyser, Inc., Assets and Liabilities

1997-12-31Rank
# of Employees:404,375
Assets and Liabilities
Total Assets:$97,347,0004,425
Cash and due from depository institutions$4,126,0004,375
Interest-bearing balances$06,604
Securities$27,071,0003,957
Federal funds sold & reverse repurchase agreements$08,160
Net loans & leases$64,340,0004,096
Loan loss allowance$738,0004,311
Trading account assets$0203
Bank premises and fixed assets$799,0006,635
Other real estate owned$77,0004,375
Goodwill and other intangibles$03,571
All other assets$934,0006,317
Life insurance assets$01
Total liabilities and capital$97,347,0004,425
Total liabilities$84,754,0004,527
Total deposits$82,580,0004,389
Interest-bearing deposits$76,231,0004,132
Deposits held in domestic offices$82,580,0004,381
% insured0.00%1
Federal funds purchased & repurchase agreements$800,0002,832
Trading liabilities$080
Other borrowed funds$290,0004,356
Subordinated debt$0260
All other liabilities$1,084,0003,338
Total equity capital$12,593,0003,515
Total bank equity capital$12,593,0003,515
Perpetual preferred stock$0223
Common stock$1,287,0002,667
Surplus$1,091,0007,180
Undivided profits$10,215,0002,482
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$33,0008,952
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,731
Income earned, not collected on loans$300,0006,829
Earning assets$91,411,0004,343
Long-term assets (5+ years)$17,853,0003,001
Average Assets, year-to-date$95,490,2004,330
Average Assets, quarterly$96,868,0004,395
Volatile liabilities$4,365,0007,511
Insider loans$163,0007,771
FHLB advances$0780
Loans and leases held for sale$01,579
Unused loan commitments$5,841,0004,819
Tier 1 (core) risk-based capital$12,593,0003,363
Tier 2 risk-based capital$691,8604,023
Total risk weighted assets$55,302,5604,652
Total unused commitments$5,841,0004,824
Derivatives$0533
1996-12-31Rank
# of Employees:404,562
Assets and Liabilities
Total Assets:$92,261,0004,737
Cash and due from depository institutions$4,917,0004,562
Interest-bearing balances$06,640
Securities$17,070,0005,922
Federal funds sold & reverse repurchase agreements$5,100,0002,529
Net loans & leases$63,395,0004,187
Loan loss allowance$824,0004,118
Trading account assets$0240
Bank premises and fixed assets$830,0006,614
Other real estate owned$04,562
Goodwill and other intangibles$03,437
All other assets$949,0006,452
Life insurance assets$01
Total liabilities and capital$92,261,0004,737
Total liabilities$80,297,0004,848
Total deposits$79,156,0004,683
Interest-bearing deposits$72,484,0004,450
Deposits held in domestic offices$79,156,0004,672
% insured0.00%1
Federal funds purchased & repurchase agreements$03,907
Trading liabilities$097
Other borrowed funds$421,0004,073
Subordinated debt$0298
All other liabilities$720,0004,573
Total equity capital$11,964,0003,696
Total bank equity capital$11,964,0003,696
Perpetual preferred stock$0250
Common stock$1,287,0002,844
Surplus$1,091,0007,408
Undivided profits$9,586,0002,617
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$342,0005,267
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,832
Income earned, not collected on loans$288,0007,078
Earning assets$85,565,0004,713
Long-term assets (5+ years)$17,623,0002,920
Average Assets, year-to-date$90,685,6004,650
Average Assets, quarterly$91,589,0004,725
Volatile liabilities$3,549,0008,110
Insider loans$188,0007,840
FHLB advances$0882
Loans and leases held for sale$01,560
Unused loan commitments$5,638,0004,807
Tier 1 (core) risk-based capital$11,964,0003,592
Tier 2 risk-based capital$675,8704,186
Total risk weighted assets$53,921,6704,799
Total unused commitments$5,638,0004,819
Derivatives$0549
1995-12-31Rank
# of Employees:414,605
Assets and Liabilities
Total Assets:$89,501,0004,875
Cash and due from depository institutions$5,228,0004,605
Interest-bearing balances$06,853
Securities$23,246,0004,976
Federal funds sold & reverse repurchase agreements$3,400,0003,981
Net loans & leases$55,337,0004,597
Loan loss allowance$1,024,0003,452
Trading account assets$0261
Bank premises and fixed assets$985,0006,096
Other real estate owned$04,605
Goodwill and other intangibles$03,181
All other assets$1,305,0005,235
Life insurance assets$01
Total liabilities and capital$89,501,0004,875
Total liabilities$78,044,0005,022
Total deposits$77,081,0004,850
Interest-bearing deposits$70,342,0004,611
Deposits held in domestic offices$77,081,0004,841
% insured0.00%1
Federal funds purchased & repurchase agreements$03,736
Trading liabilities$0110
Other borrowed funds$330,0003,731
Subordinated debt$0337
All other liabilities$633,0005,251
Total equity capital$11,457,0003,840
Total bank equity capital$11,457,0003,840
Perpetual preferred stock$0288
Common stock$1,287,0002,938
Surplus$1,091,0007,567
Undivided profits$9,079,0002,827
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$435,0004,621
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,782
Income earned, not collected on loans$326,0006,751
Earning assets$81,983,0004,899
Long-term assets (5+ years)$8,080,0004,576
Average Assets, year-to-date$89,976,0004,656
Average Assets, quarterly$89,920,0004,799
Volatile liabilities$3,493,0008,093
Insider loans$253,0007,482
FHLB advances$0855
Loans and leases held for sale$01,606
Unused loan commitments$6,034,0004,487
Tier 1 (core) risk-based capital$11,457,0003,714
Tier 2 risk-based capital$634,0404,359
Total risk weighted assets$50,332,8405,012
Total unused commitments$6,034,0004,499
Derivatives$0628
1994-12-31Rank
# of Employees:424,658
Assets and Liabilities
Total Assets:$91,244,0004,739
Cash and due from depository institutions$4,063,0004,658
Interest-bearing balances$07,034
Securities$27,306,0004,642
Federal funds sold & reverse repurchase agreements$1,700,0004,155
Net loans & leases$56,101,0004,451
Loan loss allowance$1,027,0003,497
Trading account assets$0286
Bank premises and fixed assets$791,0006,960
Other real estate owned$20,0004,658
Goodwill and other intangibles$03,133
All other assets$1,263,0005,681
Life insurance assets$01
Total liabilities and capital$91,244,0004,739
Total liabilities$80,485,0004,843
Total deposits$79,756,0004,658
Interest-bearing deposits$72,486,0004,426
Deposits held in domestic offices$79,756,0004,648
% insured0.00%1
Federal funds purchased & repurchase agreements$04,788
Trading liabilities$087
Other borrowed funds$217,0004,357
Subordinated debt$0372
All other liabilities$512,0005,124
Total equity capital$10,759,0003,786
Total bank equity capital$10,759,0003,786
Perpetual preferred stock$0310
Common stock$1,287,0003,053
Surplus$1,091,0007,722
Undivided profits$8,381,0002,765
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$39,0009,954
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,752
Income earned, not collected on loans$358,0005,703
Earning assets$85,107,0004,663
Long-term assets (5+ years)$15,723,0003,049
Average Assets, year-to-date$91,240,8004,645
Average Assets, quarterly$90,993,0004,726
Volatile liabilities$2,966,0008,510
Insider loans$430,0006,131
FHLB advances$0993
Loans and leases held for sale$01,430
Unused loan commitments$4,322,0005,331
Tier 1 (core) risk-based capital$10,759,0003,831
Tier 2 risk-based capital$657,3304,204
Total risk weighted assets$52,217,0304,753
Total unused commitments$4,322,0005,338
Derivatives$0687
1993-12-31Rank
# of Employees:395,184
Assets and Liabilities
Total Assets:$90,155,0004,899
Cash and due from depository institutions$3,532,0005,184
Interest-bearing balances$07,655
Securities$20,960,0005,925
Federal funds sold & reverse repurchase agreements$4,600,0003,029
Net loans & leases$58,932,0004,171
Loan loss allowance$1,019,0003,624
Trading account assets$0330
Bank premises and fixed assets$792,0007,057
Other real estate owned$155,0005,184
Goodwill and other intangibles$03,091
All other assets$1,184,0005,381
Life insurance assets$01
Total liabilities and capital$90,155,0004,899
Total liabilities$80,017,0004,981
Total deposits$79,005,0004,830
Interest-bearing deposits$72,966,0004,581
Deposits held in domestic offices$79,005,0004,823
% insured0.00%1
Federal funds purchased & repurchase agreements$03,944
Trading liabilities$01
Other borrowed funds$430,0003,496
Subordinated debt$0413
All other liabilities$582,0004,792
Total equity capital$10,138,0004,035
Total bank equity capital$10,138,0004,035
Perpetual preferred stock$0343
Common stock$1,287,0003,140
Surplus$1,091,0007,834
Undivided profits$7,760,0003,018
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$38,00010,806
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01,950
Income earned, not collected on loans$360,0005,146
Earning assets$84,492,0004,808
Long-term assets (5+ years)$16,276,0003,103
Average Assets, year-to-date$90,003,2004,798
Average Assets, quarterly$90,145,0004,860
Volatile liabilities$2,984,0008,412
Insider loans$499,0005,718
FHLB advances$0821
Loans and leases held for sale$01,681
Unused loan commitments$5,672,0004,537
Tier 1 (core) risk-based capital$10,138,0003,944
Tier 2 risk-based capital$682,5004,037
Total risk weighted assets$54,263,2004,562
Total unused commitments$5,672,0004,560
Derivatives$0714
1992-12-31Rank
# of Employees:424,959
Assets and Liabilities
Total Assets:$88,979,0005,021
Cash and due from depository institutions$3,388,0004,959
Interest-bearing balances$08,059
Securities$20,143,0006,087
Federal funds sold & reverse repurchase agreements$4,100,0003,879
Net loans & leases$59,384,0004,207
Loan loss allowance$1,010,0003,683
Trading account assets$0344
Bank premises and fixed assets$829,0006,984
Other real estate owned$46,0004,959
Goodwill and other intangibles$03,106
All other assets$1,089,0005,930
Life insurance assets$01
Total liabilities and capital$88,979,0005,021
Total liabilities$79,833,0005,089
Total deposits$78,859,0004,960
Interest-bearing deposits$73,121,0004,706
Deposits held in domestic offices$78,859,0004,951
% insured0.00%1
Federal funds purchased & repurchase agreements$03,764
Trading liabilities$01
Other borrowed funds$223,0003,819
Subordinated debt$0482
All other liabilities$751,0004,125
Total equity capital$9,146,0004,227
Total bank equity capital$9,146,0004,227
Perpetual preferred stock$0346
Common stock$1,287,0003,265
Surplus$1,091,0007,852
Undivided profits$6,768,0003,226
Noncontrolling interests in consolidated subsidiaries$01
Memoranda
Noncurrent loans and leases$618,0004,974
Noncurrent loans that are wholly or partially guaranteed by the U.S. government$01
Income earned, not collected on loans$366,0005,487
Earning assets$83,627,0004,908
Long-term assets (5+ years)$16,937,0002,947
Average Assets, year-to-date$88,031,0004,961
Average Assets, quarterly$89,648,5004,951
Volatile liabilities$2,628,0009,050
Insider loans$167,0004,395
FHLB advances$0832
Loans and leases held for sale$01,207
Unused loan commitments$6,152,0004,054
Tier 1 (core) risk-based capital$9,146,0004,161
Tier 2 risk-based capital$691,6603,997
Total risk weighted assets$55,014,1604,541
Total unused commitments$6,152,0004,076
Derivatives$0651