F & M Bank and Trust Company

F & M Bank and Trust Company is headquartered in Manchester and is the 185^th largest bank in the state of Georgia. It is also the 5,182^nd largest bank in the nation. It was established in 1948 and as of March of 2012, it had grown to 35 employees at 2 locations. F & M Bank and Trust Company has a 1-star health rating.

Data for Q1 2012

Institution Statistics F & M Bank and Trust Company FDIC Certificate # 16916 BankRate Report View Year Established 1948 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $91.31 million Loans $56.87 million Deposits $80.68 million Equity Capital $6.37 million Loan Loss Allowance $3.21 million Unbacked Noncurrent Loans $7.28 million Real Estate Owned $6.99 million Historic Data - March 2011 Assets $106.99 million Equity Capital $8.95 million Loan Loss Allowance $2.94 million Unbacked Noncurrent Loans $8.02 million Real Estate Owned $5.36 million Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets -1.36% Return on Equity -19.07% Interest Income $1,000,000

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 F & M Bank and Trust Company had $14.27 million in non-current loans and owned real-estate with $9.58 million in equity and loan loss allowances on hand to cover it. This gives F & M Bank and Trust Company a Texas Ratio of 148.95% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for F & M Bank and Trust Company increased slightly from 112.61% as of March 31, 2011 to 148.95% as of March 31, 2012, resulting in a negative change of 32.27%. This indicates that the balance sheet and financial strength for F & M Bank and Trust Company has declined slightly in recent periods. Deposit Growth In the past year, F & M Bank and Trust Company has decreased its total deposits by -$13.41 million, resulting in -14.25% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth F & M Bank and Trust Company has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. F & M Bank and Trust Company has $91.31 million in assets with $9.58 million in equity, resulting in a capitalization level of 10.49%, which is above average.

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