F & M Bank and Trust Company in Manchester, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • F & M Bank and Trust Company in Manchester, Georgia (GA)
  • Show street view No street view available for this location
F & M Bank and Trust Company routing number info

F & M Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 16916
    Status: Active
    Federal Reserve ID: 937834
    Bank Holding Company (Regulatory Top Holder): F & M Holding Company, Inc. (RSSDID: 1129458, Location: Manchester, GA)
    Date Established: Febuary 02, 1948
    WWW: http://www.fmbankandtrust.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 15988
    FDIC's unique #: 11000
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 15, 1950
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 142 West Main Street, Manchester, GA 31816
    County: Meriwether
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $93.2 mil
    Equity capital: $7.7 mil
    Deposits held in domestic offices: $81.3 mil
    Return on assets (ROA): -1.35% (-$1.3 mil)
    Quarterly return on assets: -1.64% (-$1.5 mil)
    Return on Equity (ROE): -15.95% (-$1.3 mil)
    Quarterly return on equity: -19.19% (-$1.5 mil)
    Net income: -$1.4 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -1.34% (-$1,249.3 mil)
    Quarterly Pretax return on assets: -1.60% (-$1,491.7 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 37Total employees (full-time equivalent)
  • $93,232Total assets
  • $7,279Cash and due from depository institutions
  • $2,012Interest-bearing balances
  • $6,210Securities
  • $3,100Federal funds sold & reverse repurchase agreements
  • $58,446Net loans & leases
  • $2,383Loan loss allowance
  • $0Trading account assets
  • $5,907Bank premises and fixed assets
  • $6,943Other real estate owned
  • $0Goodwill and other intangibles
  • $93,232Life insurance assets
  • $5,347All other assets
  • $85,498Total liabilities and capital
  • $81,304Total liabilities
  • $73,151Total deposits
  • $81,304Interest-bearing deposits
  • $69Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,405Trading liabilities
  • $0Other borrowed funds
  • $1,789Subordinated debt
  • $7,734All other liabilities
  • $7,734Total equity capital
  • $7,734Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $7,900Surplus
  • $-266Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,690Income earned, not collected on loans
  • $0Earning assets
  • $319Long-term assets (5+ years)
  • $69,768Average Assets, year-to-date
  • $21,701Average Assets, quarterly
  • $100,790Volatile liabilities
  • $92,728Insider loans
  • $71,247FHLB advances
  • $92,657Loans and leases held for sale
  • $4,482Unused loan commitments
  • $1,857Tier 1 (core) risk-based capital
  • $7,714Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,625Total unused commitments
  • $3,833Restructured Loans and leases
  • $1,258Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,646Total interest income
  • $1,597Total interest expense
  • $3,049Net interest income
  • $200Provision for loan and lease losses
  • $711Total noninterest income
  • $0Fiduciary activities
  • $398Service charges on deposit accounts
  • $0Trading account gains & fees
  • $313Additional noninterest income
  • $4,907Total noninterest expense
  • $2,161Salaries and employee benefits
  • $714Premises and equipment expense
  • $2,032Additional noninterest expense
  • -$1,347Pre-tax net operating income
  • $0Securities gains (losses)
  • $9Applicable income taxes
  • -$1,356Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,356Net income attributable to bank
  • $0Net charge-offs
  • -$1,356Cash dividends
  • $780Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.83%Yield on earning assets
  • 2.00%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 6.15%Noninterest expense to earning assets
  • -1.35%Net operating income to assets
  • -1.35%Return on assets (ROA)
  • -1.34%Pretax return on assets
  • -15.95%Return on equity (ROE)
  • -15.95%Retained earnings to average equity (YTD only)
  • 1.17%Net charge-offs to loans
  • 25.64%Credit loss provision to net charge-offs
  • -1.47%Efficiency ratio
  • 130,505Assets per employee
  • 2.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.92%Loss allowance to noncurrent loans
  • 35.62%Noncurrent assets plus other real estate owned to assets
  • 14.62%Noncurrent loans to loans
  • 11.00%Net loans and leases to deposits
  • 71.89%Net loans and leases to core deposits
  • 179.21%Equity capital to assets
  • 8.30%Core capital (leverage) ratio
  • 8.33%Tier 1 risk-based capital ratio
  • 10.83%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $100,790Average earning assets
  • $8,504Average equity
  • $79,730Average loans

List of branches

  • 2 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    011000F & M Bank And Trust Company142 West Main Street, Manchester, GA 31816Febuary 02, 1948Full Service Brick and Mortar
    1239528Town And Country BranchU.S. Highway 27-A And Georgia Highway 41, Meriwether County, GA 31816August 20, 1979Limited Service Facility

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with F & M Bank and Trust Company.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents