F&M Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Fair (3.1) profitability. Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 11.8 and a capital leverage ratio of 8.3.
Other Rating Factors:
A current level of 0.7 percent of nonperforming loans to core capital combined with 0.4 percent from a year earlier contributes to the Excellent asset quality (8.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Asset Mix:
Home mtgs (25%), comm re (16%), home eq lns (13%), securities (11%), cash (8%), comm loans (3%), consumer loans (1%), other (23%)
States with Branches:
KY, TN
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 Financial Corporation
Investment Rating
--
Address
50 Franklin Street
Clarksville, TN 37040
Clarksville, TN 37040
Phone Number
(931) 245-4274
Year Founded
1906
FDIC Number
Website
Largest Affiliates
No affiliate information available.