F & M Bank and Trust Company
| Weiss Ratings |
F & M Bank and Trust Company
Manchester, GA |
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| Rating | ||||
| Asset Quality Index | 4.90 | |||
| Capitalization Index | 5.70 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 4.70 | |||
| Stability Index | 3.00 | |||
| 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 | 3.01% | |||
| 5-Year Asset Growth | 3.75% | |||
| 5-Year Charge-Offs to Average Loans | -0.04% | |||
| Charge-Offs to Average Loans | -0.01% | |||
| Non-Performing Assets to Assets | 0.68% | |||
| Non-Performing Loans to Capital | 6.58% | |||
| Non-Performing Loans to Loans | 0.97% | |||
| Balance Sheet |
F & M Bank and Trust Company
Manchester, GA |
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| Total Assets | 83.09M | |||
| Total Deposits | 75.73M | |||
| Capital and Reserves |
F & M Bank and Trust Company
Manchester, GA |
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| Capital | 4.96M | |||
| Leverage Ratio | 7.68 | |||
| Loan Loss Reserves to Loans | 1.15% | |||
| Risk-Based Capital Ratio | 10.30 | |||
| Liquidity |
F & M Bank and Trust Company
Manchester, GA |
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| Hot Money Ratio | 23.87% | |||
| Liquidity Ratio | 15.78% | |||
| Profitability |
F & M Bank and Trust Company
Manchester, GA |
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| 5-Year Return on Average Assets | 0.63% | |||
| Net Income | 451.00K | |||
| Net Interest Spread | 5.32% | |||
| Operating Profit to Average Assets | 1.09% | |||
| Overhead Efficiency Ratio | 78.37% | |||
| Return on Assets | 1.09% | |||
| Return on Equity | 19.28% | |||