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F&M Bank - Maryland, Inc.

Bethesda, MD · Cert 26984

FDIC

Q4 2001

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

F&M Bank - Maryland, Inc.

Bethesda, MD · Cert 26984

FDIC

Q4 2001

$233.6MAssets
$170.6MLoans
$193.0MDeposits
$29.0MEquity
Loan mix
52%RE $39.8M47%C&I $35.8M1%Consumer $0.7MQ4 2000Q4 2001
Deposit mix
74%Interest-bearing $143.3M26%Noninterest $49.7MQ4 2000Q4 2001

NIM

7.56%Q1 ’016.88%Q3 ’016.95%Q4 ’01-6%+4%

Non-interest income vs. expense

2.99%Q1 ’013.44%Q3 ’013.70%Q4 ’01+19%+7%

Executive Summary

  • Earnings: ROA of 0.68%, down 53 bps year over year; NIM at 4.32%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.29%.
  • Funding: loans stand at 88.39% of deposits as of Q4 2001.

Financial Results

Return on Assets (YTD, annualized)

0.68%-53 bps YoY

Net Interest Margin (YTD, annualized)

4.32%

Efficiency Ratio (YTD, annualized)

72.37%

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.21%1.43%1.27%0.57%0.68%-53 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/a4.44%4.31%4.15%4.32%n/a
Efficiency Ration/a58.07%62.55%70.44%72.37%n/a
Non-Interest Burdenn/a2.27%2.43%2.70%2.90%n/a
Growth
Asset Growth (YoY)8.55%62.23%45.08%47.96%39.13%+3,058 bps
Loan Growth (YoY)9.25%49.86%38.65%37.83%42.47%+3,322 bps
Deposit Growth (YoY)9.23%64.76%58.94%57.27%42.32%+3,309 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/a0.23%0.41%0.28%0.29%n/a
Allowance / Loansn/a1.08%0.98%1.69%1.56%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/a12.99%13.35%13.49%13.90%n/a
Equity / Assetsn/a11.21%11.83%11.63%12.41%n/a
Liquidity & Funding
Loans / Deposits88.30%81.37%82.02%81.10%88.39%+9 bps
Liquid Assets / Assets0.00%0.36%0.38%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a