F&M BANK CORP

FMBM · OTCM

CIK 740806fmd_1SE543RQQQDB1Z98PEZRRP48F5Finance, Insurance and Real Estate · State Commercial BanksTemplate: Financials

Coverage: Jan 01, 2009 to Jun 30, 2026, 66 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	32	34	36	38	37	36	42	56	64	68
Total revenues	34	38	40	41	43	43	46	42	45	53
Net interest income	29	30	32	31	31	31	35	32	34	42
Provision for credit losses	0	0	3	7	3	(3)	1	1	2	3
Commissions and fees	1	1	–	–	–	–	–	–	–	–
Realized investment gains (losses)	0	(0)	0	–	–	–	(3)	0	–	–
Net interest income after provision	29	30	29	24	28	34	34	31	32	39
Non-interest income	6	8	8	10	12	11	11	10	11	11
Gain on sale of real estate	(0)	(0)	0	(0)	–	–	–	–	–	–
Compensation and benefits	3	3	4	5	4	4	5	4	3	4
Non-interest expense	21	25	27	30	30	33	37	39	34	37
Interest expense	4	4	5	7	6	4	7	25	31	26
Interest and investment income	0	0	0	0	1	3	8	0	8	9
Income before taxes	13	13	10	4	10	12	9	2	8	13
Income tax expense	3	4	1	(0)	1	1	0	(1)	1	2
Net income from continuing operations	10	9	9	5	9	11	8	3	7	11
Net income	10	9	9	5	9	11	8	3	7	11
Net income to common shareholders	9	9	8	5	9	11	8	–	–	–