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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 ’016.62%Q3 ’016.43%Q4 ’01-11%+11%

Non-interest income vs. expense

2.99%Q1 ’014.15%Q3 ’014.10%Q4 ’01+46%-3%

Executive Summary

  • Earnings: ROA of 0.95%, down 25 bps year over year; NIM at 4.38%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.35%.
  • Funding: loans stand at 88.39% of deposits as of Q4 2001.

Financial Results

Return on Assets (quarter, annualized)

0.95%-25 bps YoY

Net Interest Margin (quarter, annualized)

4.38%

Efficiency Ratio (quarter, annualized)

77.93%

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.21%1.43%1.06%-0.71%0.95%-25 bps
Return on Equityn/an/a9.23%-6.03%7.94%n/a
Net Interest Marginn/a4.44%4.55%3.95%4.38%n/a
Efficiency Ration/a58.07%66.56%86.72%77.93%n/a
Non-Interest Burdenn/a2.27%2.78%3.32%3.21%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%0.60%0.00%0.35%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