F & M Bank and Trust Company
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.7 on a scale of 0 to 10). A current level of 4.7 percent of nonperforming loans to core capital combined with 11.6 percent from a year earlier contributes to the Good asset quality (5.2).
Other Rating Factors:
Excellent current capitalization (8.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.1 and a capital leverage ratio of 9.9. Operating profits as a percentage of assets at 3.2%, coupled with a return on assets of 3.2 has resulted in Excellent (8.0) profitability.
Asset Mix:
Comm re (27%), home mtgs (13%), cash (10%), comm loans (6%), securities (6%), consumer loans (3%), home eq lns (1%), other (35%)
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.