F & M HOLDING COMPANY, INC. Financial Reports

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:· F & M HOLDING COMPANY, INC.

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F & M HOLDING COMPANY, INC.

Institution Profile

Year Opened :

1984

Institution Type :

Holding Company

Reserve District :

Atlanta

Federal Regulator :

FED

Entity Type :

Bank Holding Company

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

External Auditor :

SYMPHONA, LLP

Related Bank / Thrift	Assets	Asset Concentration
F & M Bank and Trust Company	79,994	Commercial Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	4,557	Total Operating Income	0
Total Liabilities	7,670	Total Operating Expenses	392
Total Equity Capital	(3,113)	Equity in Undistributed Income	899
		Net income (loss)	504

Miscellaneous
Cash Dividends Declared by Bank Holding Company	0
Total Consolidated Assets of Bank Holding Company	81,805

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury