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F & M Bank-Richmond

Richmond, VA · Cert 22390

FDIC

Q4 2001

$298.4MAssets
$208.5MLoans
$263.9MDeposits
$24.9MEquity
Loan mix
53%RE $29.6M45%C&I $25.3M2%Consumer $1.2MQ4 2000Q4 2001
Deposit mix
89%Interest-bearing $234.9M11%Noninterest $28.9MQ4 2000Q4 2001

NIM

7.37%Q1 ’016.82%Q3 ’016.25%Q4 ’01-5%-5%

Non-interest income vs. expense

2.54%Q1 ’013.67%Q3 ’012.44%Q4 ’01+61%-42%

Executive Summary

  • Earnings: ROA of 1.21%, down 24 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 79.01% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

1.21%-24 bps YoY

Net Interest Margin (quarter, annualized)

3.57%

Efficiency Ratio (quarter, annualized)

57.15%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.44%1.32%0.79%-1.89%1.21%-24 bps
Return on Equityn/an/a9.26%-22.96%14.67%n/a
Net Interest Marginn/a3.94%3.86%3.75%3.57%n/a
Efficiency Ration/a54.83%72.66%82.56%57.15%n/a
Non-Interest Burdenn/a1.84%2.59%2.98%1.74%n/a
Growth
Asset Growth (YoY)5.30%-1.27%2.57%2.24%0.84%-446 bps
Loan Growth (YoY)10.56%19.27%20.21%19.20%15.43%+488 bps
Deposit Growth (YoY)4.44%-2.76%0.53%0.83%0.40%-404 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.00%0.00%0.00%0.01%n/a
Allowance / Loansn/a1.11%1.07%2.38%2.37%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capitaln/a12.54%11.91%11.62%12.00%n/a
Equity / Assetsn/a8.67%8.35%8.11%8.35%n/a
Liquidity & Funding
Loans / Deposits68.72%75.98%77.61%79.91%79.01%+1,029 bps
Liquid Assets / Assets0.00%16.53%6.76%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a