F & M Bank-Peoples in Warrenton, Virginia (VA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 16, 2002

  • F & M Bank-Peoples in Warrenton, Virginia (VA)
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F & M Bank-Peoples - Overview

  • General
  • FDIC Certificate #: 6924
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Branch Banking and Trust Company of Virginia (#22584)
    Federal Reserve ID: 600222
    Date Established: January 01, 1910
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Interstate: No)
    OTS Docket #: 13127
    FDIC's unique #: 4653
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 16, 2002
    Last Structure Change Process Date: April 29, 2002
    Last Data Update: April 29, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 22 Main Street, Warrenton, VA 20186
    County: Fauquier
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Richmond
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Washington, DC-MD-VA-WV (#8840)
    Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
    Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    Core Based Statistical Division: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47894)
  • Financial Summary
  • Total assets: $157.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2001)

  • Dollar figures in thousands
  • 63Total employees (full-time equivalent)
  • $157,107Total assets
  • $6,802Cash and due from depository institutions
  • $57Interest-bearing balances
  • $22,179Securities
  • $34,325Federal funds sold & reverse repurchase agreements
  • $88,822Net loans & leases
  • $1,196Loan loss allowance
  • $0Trading account assets
  • $3,113Bank premises and fixed assets
  • $262Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,604All other assets
  • $157,107Total liabilities and capital
  • $143,922Total liabilities
  • $139,034Total deposits
  • $109,996Interest-bearing deposits
  • $139,034Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,967Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $921All other liabilities
  • $13,185Total equity capital
  • $13,185Total bank equity capital
  • $13,185Perpetual preferred stock
  • $0Common stock
  • $2,100Surplus
  • $500Undivided profits
  • Memoranda
  • $10,585Noncurrent loans and leases
  • $9,624Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $35Earning assets
  • $0Long-term assets (5+ years)
  • $834Average Assets, year-to-date
  • $145,383Average Assets, quarterly
  • $36,861Volatile liabilities
  • $150,400Insider loans
  • $156,572FHLB advances
  • $21,235Loans and leases held for sale
  • $603Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,332Total risk weighted assets
  • $9,624Total unused commitments
  • $0Restructured Loans and leases
  • $1,108Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $9,996Total interest income
  • $3,871Total interest expense
  • $6,125Net interest income
  • $564Provision for loan and lease losses
  • $1,364Total noninterest income
  • $0Fiduciary activities
  • $969Service charges on deposit accounts
  • $0Trading account gains & fees
  • $395Additional noninterest income
  • $4,906Total noninterest expense
  • $2,366Salaries and employee benefits
  • $1,204Premises and equipment expense
  • $1,336Additional noninterest expense
  • $2,019Pre-tax net operating income
  • $21Securities gains (losses)
  • $655Applicable income taxes
  • $1,385Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,385Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $523Sale, conversion, retirement of capital stock, net
  • $860Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.24%Yield on earning assets
  • 2.81%Cost of funding earning assets
  • 4.44%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.36%Pretax return on assets
  • 10.97%Return on equity (ROE)
  • 4.16%Retained earnings to average equity (YTD only)
  • 0.51%Net charge-offs to loans
  • 107.84%Credit loss provision to net charge-offs
  • 4.94%Efficiency ratio
  • 65,509Assets per employee
  • 2.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.09%Loss allowance to loans
  • 1.33%Loss allowance to noncurrent loans
  • 3417.14%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 63.89%Net loans and leases to core deposits
  • 72.94%Equity capital to assets
  • 8.39%Core capital (leverage) ratio
  • 8.15%Tier 1 risk-based capital ratio
  • 14.54%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $150,400Average earning assets
  • $12,621Average equity
  • $137,978Average loans

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