F & M Bank and Trust Company
| Weiss Ratings |
F & M Bank and Trust Company
Manchester, GA |
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| Rating | ||||
| Asset Quality Index | 5.80 | |||
| Capitalization Index | 8.80 | |||
| Liquidity Index | 2.10 | |||
| Profitability Index | 5.50 | |||
| Stability Index | 3.90 | |||
| 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 | 5.18% | |||
| 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 | 0.58% | |||
| Non-Performing Loans to Capital | 4.27% | |||
| Non-Performing Loans to Loans | 0.82% | |||
| Balance Sheet |
F & M Bank and Trust Company
Manchester, GA |
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| Total Assets | 87.40M | |||
| Total Deposits | 77.24M | |||
| Capital and Reserves |
F & M Bank and Trust Company
Manchester, GA |
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| Capital | 7.79M | |||
| Leverage Ratio | 10.17 | |||
| Loan Loss Reserves to Loans | 1.18% | |||
| Risk-Based Capital Ratio | 12.84 | |||
| Liquidity |
F & M Bank and Trust Company
Manchester, GA |
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| Hot Money Ratio | 20.95% | |||
| Liquidity Ratio | 11.83% | |||
| Profitability |
F & M Bank and Trust Company
Manchester, GA |
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| 5-Year Return on Average Assets | 1.22% | |||
| Net Income | 390.00K | |||
| Net Interest Spread | 5.19% | |||
| Operating Profit to Average Assets | 0.88% | |||
| Overhead Efficiency Ratio | 82.65% | |||
| Return on Assets | 0.88% | |||
| Return on Equity | 10.24% | |||