F & M Bank and Trust Company
| Weiss Ratings |
F & M Bank and Trust Company
Manchester, GA |
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| Rating | ||||
| Asset Quality Index | 5.20 | |||
| Capitalization Index | 8.40 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 8.00 | |||
| Stability Index | 2.70 | |||
| Company Info |
F & M Bank and Trust Company
Manchester, GA |
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| FDIC Number | 16916 | |||
| Phone Number | (706) 846-8415 | |||
| Website | www.fmbankandtrust.com/ | |||
| Asset Quality |
F & M Bank and Trust Company
Manchester, GA |
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| 1-Year Asset Growth | 10.51% | |||
| 5-Year Asset Growth | 3.30% | |||
| 5-Year Charge-Offs to Average Loans | -0.04% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.60% | |||
| Non-Performing Loans to Capital | 4.73% | |||
| Non-Performing Loans to Loans | 0.85% | |||
| Balance Sheet |
F & M Bank and Trust Company
Manchester, GA |
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| Total Assets | 90.41M | |||
| Total Deposits | 76.34M | |||
| Capital and Reserves |
F & M Bank and Trust Company
Manchester, GA |
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| Capital | 7.44M | |||
| Leverage Ratio | 9.93 | |||
| Loan Loss Reserves to Loans | 1.11% | |||
| Risk-Based Capital Ratio | 12.09 | |||
| Liquidity |
F & M Bank and Trust Company
Manchester, GA |
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| Hot Money Ratio | 23.24% | |||
| Liquidity Ratio | 13.17% | |||
| Profitability |
F & M Bank and Trust Company
Manchester, GA |
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| 5-Year Return on Average Assets | 0.63% | |||
| Net Income | 2.68M | |||
| Net Interest Spread | 5.26% | |||
| Operating Profit to Average Assets | 3.20% | |||
| Overhead Efficiency Ratio | 40.45% | |||
| Return on Assets | 3.20% | |||
| Return on Equity | 47.50% | |||