PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 $0.7MQ1 2000Q4 2001
Deposit mix
74%Interest-bearing $143.3M26%Noninterest $49.7MQ1 2000Q4 2001

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.

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
n/a

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%

Year to date, annualized, through each quarter.

MetricQ1 2000Q2 2000Q3 2000Q4 2000Q1 2001Q2 2001Q3 2001Q4 2001YoY ΔTrend
Earnings
Return on Assets1.07%1.13%1.22%1.21%1.43%1.27%0.57%0.68%-53 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a4.44%4.31%4.15%4.32%n/a
Efficiency Ration/an/an/an/a58.07%62.55%70.44%72.37%n/a
Non-Interest Burdenn/an/an/an/a2.27%2.43%2.70%2.90%n/a
Growth
Asset Growth (YoY)-12.92%-2.14%2.50%8.55%62.23%45.08%47.96%39.13%+3,058 bps
Loan Growth (YoY)-1.30%7.62%10.01%9.25%49.86%38.65%37.83%42.47%+3,322 bps
Deposit Growth (YoY)-7.69%-3.42%2.98%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/a0.23%0.41%0.28%0.29%n/a
Allowance / Loansn/an/an/an/a1.08%0.98%1.69%1.56%n/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/a12.99%13.35%13.49%13.90%n/a
Equity / Assetsn/an/an/an/a11.21%11.83%11.63%12.41%n/a
Liquidity & Funding
Loans / Deposits89.46%94.02%92.54%88.30%81.37%82.02%81.10%88.39%+9 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.36%0.38%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a