F & M Bank and Trust Company
Major Rating Factors:
A current level of 6.6 percent of nonperforming loans to core capital combined with 20.1 percent from a year earlier contributes to the Fair asset quality (4.9). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.7) profitability.
Other Rating Factors:
Good current capitalization (5.7 on a scale of 0 to 10) based on a risk-based capital ratio of 10.3 and a capital leverage ratio of 7.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Asset Mix:
Comm re (25%), home mtgs (14%), cash (10%), comm loans (7%), securities (6%), consumer loans (3%), other (34%)
States with Branches:
GA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
F & M Holding Company, Inc.
Investment Rating
--
Address
142 West Main Street
Manchester, GA 31816
Manchester, GA 31816
Phone Number
(706) 846-8415
Year Founded
1947
FDIC Number
Website
Largest Affiliates
No affiliate information available.