F&M BANCORP Financial Reports

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Off Balance Sheet
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F&M BANCORP

Institution Profile

Year Opened :

1982

Institution Type :

Holding Company

Reserve District :

Cleveland

Federal Regulator :

FED

Entity Type :

Financial Holding Company - Domestic

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

External Auditor :

Dixon, Davis, Bagent & Co.

Related Bank / Thrift	Assets	Asset Concentration
Farmers & Merchants Bank	320,897	Commercial Lending Specialization

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

Total Assets	31,831	Total Operating Income	418
Total Liabilities	272	Total Operating Expenses	57
Total Equity Capital	31,559	Equity in Undistributed Income	4,113
		Net income (loss)	4,477

Miscellaneous
Cash Dividends Declared by Bank Holding Company	619
Total Consolidated Assets of Bank Holding Company	322,958

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