July 2017 Newsletter | In This Issue

How We Protect Your Data from Ransomware

It is important to us to provide you timely information regarding the steps we take to protect our customers’ data in the event of a Ransomware attack.

F&M Bank takes the following steps to protect our customers’ data from malware, especially Ransomware.

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You're Invited: Coffman's Corner Grand Opening

F&M Bank is opening a new, full-service branch in Harrisonburg at 2030 Legacy Lane, in the Coffman's Corner Development, in August 2017. We're excited to offer our full range of products and services in this new, convenient location. Our Port Road branch will be relocating to the Coffman's Corner branch. 

Please, join us as we celebrate the ribbon cutting and grand opening of our new branch location. Catering by Vito's Italian Ktichen, beverages by Bluestone Vineyard, door prizes and much more!

 
   

Grottoes Branch One Year Anniversary 

On July 21st, our Grottoes Branch celebrated one year in the community with a customer appreciation event and ATV giveaway. Congratulations to John Gibson, the winner of the 2016 Honda RECON! Thank you to those who attended our event and supported our Grottoes Branch!

 
   

F&M Bank Corp Announces Second Quarter Earnings and Dividend Increase 

F & M Bank Corp. (OTCQX: FMBM), parent company of Farmers & Merchants Bank, announces its financial results for the quarter ending June 30, 2017.

Selected highlights for the quarter include:

  • Net income of $2.3;
  • Net interest margin of 4.51%;
  • Net interest income increased $533,000;
  • Return on Average Assets of 1.28% YTD;

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 Perks for Small Business Owners

F&M has partnered with Valley-based businesses to provide their employees savings and discounts. Participate in the Perks @Work program offered by your employer and you will receive special savings on local goods and services, plus unique benefits at F&M Bank. 

In return for the partnership, F&M brings customers to the door of participating businesses, supports the local economy, and keeps a few extra dollars in our customers' pockets. Interested in joining? Contact us to learn how to become a Perks @Work member or sign up and promote your business.

This month we are featuring TenderCare Veterinary Center, proud to serve the Fishersville area for everything pet related. The veterinary clinic and animal hospital is run by Dr. Terri Sears, who is a licensed, experienced Fishersville veterinarian. The team is committed to educating clients on how to keep pets healthy year round, with good nutrition and exercise. TenderCare Veterinary Center stays on top of the latest advances in veterinarian technology and above all, remembers that all animals and pets need to be treated with loving care in every check-up, procedure, or surgery.   

 
   

Sign up your business for F&M’s Perks @Work program and you receive a free initial exam for a new client ($44.59 value). Call the Center at (540) 943-9080.

 6 Financial Steps to Take Before Buying a Car

Think about the effort it takes to search for the right new car and to negotiate the lowest price.

Unless you plan to pay cash in full, the third leg of the stool is finding the best possible financing. Because loans typically come in 12-month increments, we're talking about a decision that will affect your household budget a minimum of two years and probably more like five or six.

Here are a few things to consider while looking for the best financing option:

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2018 Calendar Contest Deadline Approaching

The deadline to enter our 2018 Calendar Photography Contest is August 1st. All entries will be posted to our Facebook page on August 2, 2017, for the first round of voting. For entry forms or more information, visit our website.

 
 Our 2017 July Photo, taken by Joy Beaman  

Casual Fridays for Charity

Throughout the month of June, employees donated over $500 to be divided among the Harrisonburg-Rockingham Free Clinic, the Augusta Regional Clinic, the Shenandoah Community Health Clinic, and the Page Free Clinic. 

These nonprofits work to provide affordable, sustainable health care services for low income and uninsured adults, primarily through volunteer resources and community support.

We hope you don't mind these dress-down days as they are for a good cause! Keep an eye out for future announcements on our Facebook page.

Rockingham-Harrisonburg SPCA Pet of the Month

Athena is a 7-year-old shepherd/retriever mix. This lovely lady loves attention and would do anything for an ear rub. Athena arrived at the shelter in June. She was surrendered because her owner was moving so she has been in a home before and would love to go to your home! She loves people but is a little unsure about other dogs so if you have a fellow furry companion bring them by the shelter to meet Athena. She is a bigger girl so she would love an active home where she could lose a few pounds to get to an ideal weight. Athena qualifies for our Seniors for Seniors pricing! Any adopter 55 or over will enjoy a reduced adoption fee. Visit the shelter today! More info on our website www.rhspca.org.  

 
   

Financial Education at Your Fingertips

Have you seen our comprehensive suite of financial education topics? Organized around life events, you can find the information you seek at the times when you need it. Connect to the right people who can help, download financial quick guides, and receive your own personalized financial checklist, all for free from our website.

 Get stock updates and shareholder information from our Investor Relations website.