F & M Bank Corp. (FMBM)

F & M Bank Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	47.27	56.96	23.72	34.95	88.12	78.41
Investment Securities	135.8	153.53	224.34	246.66	229.57	44.13
Trading Asset Securities	0.05	0.06	0.08	0.19	0.12	0.82
Mortgage-Backed Securities	204.45	174.95	145.07	156.88	183.65	73.77
Total Investments	340.3	328.54	369.49	403.72	413.33	118.72
Gross Loans	849.32	840.69	822.76	744.17	662.42	661.33
Allowance for Loan Losses	-8.31	-8.13	-8.32	-7.94	-7.75	-10.48
Other Adjustments to Gross Loans	-0.54	-0.74	-0.67	-0.57	-	-
Net Loans	840.46	831.82	813.77	735.67	654.67	650.85
Property, Plant & Equipment	22.67	22.75	24.37	20.45	18	18.75
Goodwill	3.08	3.08	3.08	3.08	3.08	2.88
Loans Held for Sale	2.28	2.28	1.12	1.37	4.89	58.68
Accrued Interest Receivable	5.16	4.94	5.03	4	3.12	2.73
Other Current Assets	-	0.36	-	-	0.3	0.52
Long-Term Deferred Tax Assets	8.14	9.47	10.14	12.24	2.88	2.8
Other Real Estate Owned & Foreclosed	-	0.08	0.06	-	-	-
Other Long-Term Assets	41.63	40.82	40.12	30.42	30.95	32.59
Total Assets	1,312	1,302	1,295	1,246	1,219	966.93
Interest Bearing Deposits	918.13	803	737.08	632.38	625.9	402.45
Institutional Deposits	-	131.8	131.9	157.4	173.4	179.22
Non-Interest Bearing Deposits	278.32	260.3	264.25	293.6	280.99	236.92
Total Deposits	1,196	1,195	1,133	1,083	1,080	818.58
Short-Term Borrowings	-	-	60.02	70.09	0.26	0.06
Current Portion of Long-Term Debt	-	-	-	-	-	0.19
Current Portion of Leases	0.07	0.11	-	-	-	-
Long-Term Debt	7	6.98	6.93	6.89	11.77	11.74
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	10	21.27
Long-Term Leases	0.86	0.48	0.73	0.89	0.96	0.86
Other Long-Term Liabilities	12.81	13.2	15.35	13.87	15.6	18.6
Total Liabilities	1,217	1,216	1,216	1,175	1,119	871.3
Preferred Stock, Convertible	-	-	-	-	-	4.56
Common Stock	17.49	17.38	17.26	17.15	17.07	16.02
Additional Paid-In Capital	11.67	11.46	11.04	10.58	10.13	6.87
Retained Earnings	88.25	84.67	81.03	83.08	78.35	71.21
Comprehensive Income & Other	-22.67	-27.38	-31.02	-40.01	-5.09	-3.02
Total Common Equity	94.74	86.14	78.32	70.79	100.46	91.07
Shareholders' Equity	94.74	86.14	78.32	70.79	100.46	95.63
Total Liabilities & Equity	1,312	1,302	1,295	1,246	1,219	966.93
Total Debt	7.93	7.56	67.69	77.87	22.99	34.12
Net Cash (Debt)	39.4	49.46	-43.89	-42.73	65.25	45.11
Net Cash Growth	72.02%	-	-	-	44.66%	283.61%
Net Cash Per Share	11.15	14.08	-12.63	-12.39	18.96	13.15
Filing Date Shares Outstanding	3.56	3.53	3.48	3.46	3.42	3.2
Total Common Shares Outstanding	3.57	3.53	3.49	3.46	3.41	3.2
Book Value Per Share	26.56	24.43	22.47	20.48	29.42	28.43
Tangible Book Value	91.66	83.06	75.24	67.71	97.37	88.19
Tangible Book Value Per Share	25.70	23.56	21.59	19.59	28.52	27.53

Source: S&P Global Market Intelligence. Banks template. Financial Sources.