2017 AR SPREADS BLEED - ... back cover / f&m 2017 annual report / bleed: 4mm / spot colors: pms...

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Transcript of 2017 AR SPREADS BLEED - ... back cover / f&m 2017 annual report / bleed: 4mm / spot colors: pms...

  • BACK COVER / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH

    F&M BANK CORP

    PEER TOP 20%

    PER MEDIAN

    DIVIDENDS DECLARED

    PEER STATISTICS FROM THE DECEMBER 31, 2017 UNIFORM BANK PERFORMANCE REPORT, PEER GROUP 3

    * Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Farmers & Merchants Financial Services, Inc. is a nonbank subsidiary of Farmers and Merchants Bank. Infinex is not affiliated with either entity. Products and services made available through Ininex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. We do not provide tax advice. Please consult your advisor. Securities and Insurance Products: Not Insured By FDIC or any Federal Government Agency May Lose Value Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate

    FRONT COVER / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH INSIDE COVER / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 1 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 2 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 3 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 4 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 5 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 6 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 7 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 8 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 9 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 10 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 11 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 12 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH

    VISIT WWW.FMBANKVA.COM OR DOWNLOAD THE APP FROM THE APP STORE OR GOOGLE PLAY

    FARMERSANDMERCHANTSBANK

    FMBANKVA

    FARMERS-&-MERCHANTS- BANK-OF-VIRGINIA

    FMBANKVA

    VISIT WWW.FMBANKVA.COM OR DOWNLOAD THE APP FROM THE APP STORE OR GOOGLE PLAY

    FARMERSANDMERCHANTSBANK

    FMBANKVA

    FARMERS-&-MERCHANTS- BANK-OF-VIRGINIA

    FMBANKVA

    HIGH TRAFFIC BRANCH MOVES

    7,106 FOLLOWERS ON SOCIAL

    MEDIA

    STAUNTON BRANCH OPENED

    STOCK IMPROVED

    2018 BRANCHES PLANNED

    INCREASED REFERRALS

  • BACK COVER / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH

    WOODSTOCK

    STAUNTON

    TIMBERVILLEBROADWAY

    BRIDGEWATER

    COFFMAN’S CORNER

    CROSSROADS

    ELKTON

    GROTTOES STAUNTON /

    FISHERSVILLE

    LURAY

    CRAIGSVILLE

    EDINBURG

    DEALER FINANCE

    VBS MORTGAGE

    VS TITLE

    F&M BANK CORP

    PEER TOP 20%

    PER MEDIAN

    DIVIDENDS DECLARED

    PEER STATISTICS FROM THE DECEMBER 31, 2017 UNIFORM BANK PERFORMANCE REPORT, PEER GROUP 3

    * Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Farmers & Merchants Financial Services, Inc. is a nonbank subsidiary of Farmers and Merchants Bank. Infinex is not affiliated with either entity. Products and services made available through Ininex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. We do not provide tax advice. Please consult your advisor. Securities and Insurance Products: Not Insured By FDIC or any Federal Government Agency May Lose Value Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate

    FRONT COVER / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH INSIDE COVER / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 1 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 2 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 3 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 4 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 5 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 6 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 7 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 8 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 9 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 10 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 11 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISHPAGE 12 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH

    VISIT WWW.FMBANKVA.COM OR DOWNLOAD THE APP FROM THE APP STORE OR GOOGLE PLAY

    FARMERSANDMERCHANTSBANK

    FMBANKVA

    FARMERS-&-MERCHANTS- BANK-OF-VIRGINIA

    FMBANKVA

    VISIT WWW.FMBANKVA.COM OR DOWNLOAD THE APP FROM THE APP STORE OR GOOGLE PLAY

    FARMERSANDMERCHANTSBANK

    FMBANKVA

    FARMERS-&-MERCHANTS- BANK-OF-VIRGINIA

    FMBANKVA

    HIGH TRAFFIC BRANCH MOVES

    7,106 FOLLOWERS ON SOCIAL

    MEDIA

    STAUNTON BRANCH OPENED

    STOCK IMPROVED

    2018 BRANCHES PLANNED

    INCREASED REFERRALS

  • BACK COVER / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH

    F&M BANK CORP

    PEER TOP 20%

    PER MEDIAN

    DIVIDENDS DECLARED

    PEER STATISTICS FROM THE DECEMBER 31, 2017 UNIFORM BANK PERFORMANCE REPORT, PEER GROUP 3

    2017 includes reclass of subsidiary income

    * Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Farmers & Merchants Financial Services, Inc. is a nonbank subsidiary of Farmers and Merchants Bank. Infinex is not affiliated with either entity. Products and services made available through Ininex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. We do not provide tax advice. Please consult your advisor. Securities and Insurance Products: Not Insured By FDIC or any Federal Government Agency May Lose Value Not a Deposit of or Guaranteed by the Bank or any Bank Affiliate

    FRONT COVER / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH INSIDE COVER / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 1 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 2 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 3 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 4 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 5 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 6 / F&M 2017 ANNUAL REPORT / BLEED: 4MM / SPOT COLORS: PMS GREY 432, PMS RED 202, PMS DUSTY GREEN 5483, PLUS SPOT VARNISH PAGE 7 / F&