Vitals
  • Total Assets
    255.3M 2.3 %
  • Total Deposits
    208.3M 4.4 %
  • Total Net Loans
    130.2M -1.0 %
  • Net Income
    2.6M 14.9 %
  • Book Value
    41.0M 2.3 %
  • Book Value x2
    81.9M 2.3 %
  • Book Value x3
    122.9M 2.3 %
ROAA

1.04

ROAE

6.334

Efficiency Ratio

65.799

Net Interest Margin

4.272

Balance Sheet Highlights
Financial Highlights F&M Bank All Insured Commercial Banks in Georgia
Balance Sheet $(000)
Total Assets 255,263 256,123
Total Net Loans 130,212 160,108
Total Deposits 208,296 221,413
Total Equity 40,969 27,434
Profitability
Net Income 2,612 2,812
Return on Average Assets 1.04 .99
Return on Average Equity 6.334 8.811
Net Interest Margin 4.272 4.031
Efficiency Ratio 65.799 72.067
Noninterest Income/Revenue 12.02 19.316
Balance Sheet Ratios
Loan-to-Deposit 62.513 70.662
Securities/Assets .334 .165
Total Equity/Total Assets .16 .107
Tangible Equity/Tangible Assets .16 .105
Capital Adequacy
Tier 1 Common Capital 38,583 26,376
Tier 1 Capital 38,583 26,452
Tier 2 Capital 1,980 1,919
Total Capital 40,563 28,453
Total Risk Weighted Assets 156,865 174,280
Leverage Ratio 15.53 10.62
Common Equity Tier 1 Capital Ratio 24.6 16.191
Tier 1 Capital Ratio 24.6 16.286
Total Capital Ratio 25.86 17.433

Timeline for F&M Bank

The Peoples Bank

Acquisition: F&M Bank acquired a new subsidiary, The Peoples Bank, 29 years

View Profile Sep 23 1994

Washington/Wilkes Holding Company

Washington/Wilkes Holding Company became a new parent organization for F&M Bank.

View Profile Apr 15 1986

F&M Bank

F&M Bank was established 74 years ago and is currently headquartered in Washington, GA.

Mar 14 1950
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The Peoples Bank Seller 14,784 Discontinued 9/23/1994
Relationships Role Relationship Start Relationship End
Washington/Wilkes Holding Company Parent 4/15/1986
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