F & M Bank and Trust Company
| Weiss Ratings |
F & M Bank and Trust Company
Manchester, GA |
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| Rating | ||||
| Asset Quality Index | 5.40 | |||
| Capitalization Index | 8.60 | |||
| Liquidity Index | 2.40 | |||
| Profitability Index | 8.00 | |||
| 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 | 6.09% | |||
| 5-Year Asset Growth | 3.75% | |||
| 5-Year Charge-Offs to Average Loans | -0.04% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.65% | |||
| Non-Performing Loans to Capital | 3.93% | |||
| Non-Performing Loans to Loans | 0.96% | |||
| Balance Sheet |
F & M Bank and Trust Company
Manchester, GA |
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| Total Assets | 84.87M | |||
| Total Deposits | 75.10M | |||
| Capital and Reserves |
F & M Bank and Trust Company
Manchester, GA |
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| Capital | 7.01M | |||
| Leverage Ratio | 10.05 | |||
| Loan Loss Reserves to Loans | 1.20% | |||
| Risk-Based Capital Ratio | 13.42 | |||
| Liquidity |
F & M Bank and Trust Company
Manchester, GA |
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| Hot Money Ratio | 23.96% | |||
| Liquidity Ratio | 13.21% | |||
| Profitability |
F & M Bank and Trust Company
Manchester, GA |
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| 5-Year Return on Average Assets | 0.63% | |||
| Net Income | 2.34M | |||
| Net Interest Spread | 5.19% | |||
| Operating Profit to Average Assets | 3.78% | |||
| Overhead Efficiency Ratio | 27.24% | |||
| Return on Assets | 3.78% | |||
| Return on Equity | 61.06% | |||