401k Plan data: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN plan

THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 401k Plan overview

Plan Name	THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN
Plan identification number	001

THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.

401k Sponsoring company profile

THE F&M BANK & TRUST COMPANY has sponsored the creation of one or more 401k plans.

Company Name: THE F&M BANK & TRUST COMPANY

Employer identification number (EIN): 730539046

NAIC Classification: 522110
NAIC Description: Commercial Banking

Form 5500 Filing Information

Submission information for form 5500 for 401k plan THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2014-01-01 RITA HUGHES RITA HUGHES 2014-12-26
001 2013-01-01 RENAE STEPHENSON RENAE STEPHENSON 2014-07-24
001 2012-01-01 GREGG JAYNES
001 2011-01-01 GREGG JAYNES
001 2010-01-01 GREGG JAYNES
001 2009-01-01 STEVE RAFFAELE

Plan id#	Filing Submission Date	Name of Administrator	Name of Company Sponsor	Date Sponsor Signed
001	2014-01-01	RITA HUGHES	RITA HUGHES	2014-12-26
001	2013-01-01	RENAE STEPHENSON	RENAE STEPHENSON	2014-07-24
001	2012-01-01	GREGG JAYNES
001	2011-01-01	GREGG JAYNES
001	2010-01-01	GREGG JAYNES
001	2009-01-01	STEVE RAFFAELE

Plan Statistics for THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN

401k plan membership statisitcs for THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN

Measure Date Value
2014: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 454
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 0
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 0
Total of all active and inactive participants 2014-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 0
Number of participants with account balances 2014-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 21
2013: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 414
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 409
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 54
Total of all active and inactive participants 2013-01-01 463
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 463
Number of participants with account balances 2013-01-01 320
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 26
2012: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 357
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 410
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 43
Total of all active and inactive participants 2012-01-01 453
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 453
Number of participants with account balances 2012-01-01 271
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 15
2011: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 291
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 271
Number of retired or separated participants receiving benefits 2011-01-01 2
Number of other retired or separated participants entitled to future benefits 2011-01-01 31
Total of all active and inactive participants 2011-01-01 304
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 304
Number of participants with account balances 2011-01-01 228
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 6
2010: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2010 401k membership
Total participants, beginning-of-year 2010-01-01 278
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 242
Number of retired or separated participants receiving benefits 2010-01-01 2
Number of other retired or separated participants entitled to future benefits 2010-01-01 47
Total of all active and inactive participants 2010-01-01 291
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 291
Number of participants with account balances 2010-01-01 225
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 10
2009: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 281
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 241
Number of retired or separated participants receiving benefits 2009-01-01 2
Number of other retired or separated participants entitled to future benefits 2009-01-01 30
Total of all active and inactive participants 2009-01-01 273
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 1
Total participants 2009-01-01 274
Number of participants with account balances 2009-01-01 221
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 4

Measure	Date	Value
2014: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	454
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	0
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	0
Total of all active and inactive participants	2014-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	0
Number of participants with account balances	2014-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	21
2013: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	414
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	409
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	54
Total of all active and inactive participants	2013-01-01	463
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	463
Number of participants with account balances	2013-01-01	320
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	26
2012: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	357
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	410
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	43
Total of all active and inactive participants	2012-01-01	453
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	453
Number of participants with account balances	2012-01-01	271
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	15
2011: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	291
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	271
Number of retired or separated participants receiving benefits	2011-01-01	2
Number of other retired or separated participants entitled to future benefits	2011-01-01	31
Total of all active and inactive participants	2011-01-01	304
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	304
Number of participants with account balances	2011-01-01	228
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	6
2010: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2010 401k membership
Total participants, beginning-of-year	2010-01-01	278
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	242
Number of retired or separated participants receiving benefits	2010-01-01	2
Number of other retired or separated participants entitled to future benefits	2010-01-01	47
Total of all active and inactive participants	2010-01-01	291
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	291
Number of participants with account balances	2010-01-01	225
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	10
2009: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	281
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	241
Number of retired or separated participants receiving benefits	2009-01-01	2
Number of other retired or separated participants entitled to future benefits	2009-01-01	30
Total of all active and inactive participants	2009-01-01	273
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	1
Total participants	2009-01-01	274
Number of participants with account balances	2009-01-01	221
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	4

Financial Data on THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN

Measure	Date	Value
2014 : THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2014 401k financial data
Unrealized appreciation/depreciation of real estate assets	2014-05-13	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2014-05-13	$-496,122
Total unrealized appreciation/depreciation of assets	2014-05-13	$-496,122
Total transfer of assets to this plan	2014-05-13	$0
Total transfer of assets from this plan	2014-05-13	$18,935,162
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-05-13	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-05-13	$0
Total income from all sources (including contributions)	2014-05-13	$1,149,154
Total loss/gain on sale of assets	2014-05-13	$390,904
Total of all expenses incurred	2014-05-13	$2,594,101
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-05-13	$2,526,146
Expenses. Certain deemed distributions of participant loans	2014-05-13	$0
Value of total corrective distributions	2014-05-13	$49,529
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-05-13	$855,635
Value of total assets at end of year	2014-05-13	$0
Value of total assets at beginning of year	2014-05-13	$20,380,109
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-05-13	$18,426
Total income from rents	2014-05-13	$0
Total interest from all sources	2014-05-13	$2,244
Total dividends received (eg from common stock, registered investment company shares)	2014-05-13	$15,183
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-05-13	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-05-13	$15,183
Administrative expenses professional fees incurred	2014-05-13	$0
Was this plan covered by a fidelity bond	2014-05-13	Yes
Value of fidelity bond cover	2014-05-13	$1,000,000
If this is an individual account plan, was there a blackout period	2014-05-13	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-05-13	$0
Were there any nonexempt tranactions with any party-in-interest	2014-05-13	No
Amount of non-exempt transactions with any party-in-interest	2014-05-13	$0
Contributions received from participants	2014-05-13	$634,216
Participant contributions at end of year	2014-05-13	$0
Participant contributions at beginning of year	2014-05-13	$302,955
Participant contributions at end of year	2014-05-13	$0
Participant contributions at beginning of year	2014-05-13	$66,457
Income. Received or receivable in cash from other sources (including rollovers)	2014-05-13	$0
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2014-05-13	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2014-05-13	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2014-05-13	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2014-05-13	$0
Other income not declared elsewhere	2014-05-13	$68,682
Administrative expenses (other) incurred	2014-05-13	$0
Liabilities. Value of operating payables at beginning of year	2014-05-13	$0
Total non interest bearing cash at end of year	2014-05-13	$0
Total non interest bearing cash at beginning of year	2014-05-13	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-05-13	No
Value of net income/loss	2014-05-13	$-1,444,947
Value of net assets at end of year (total assets less liabilities)	2014-05-13	$0
Value of net assets at beginning of year (total assets less liabilities)	2014-05-13	$20,380,109
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-05-13	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-05-13	No
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2014-05-13	$0
Were any leases to which the plan was party in default or uncollectible	2014-05-13	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2014-05-13	$0
Investment advisory and management fees	2014-05-13	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-05-13	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-05-13	$19,186,793
Interest on participant loans	2014-05-13	$2,244
Income. Interest from loans (other than to participants)	2014-05-13	$0
Interest earned on other investments	2014-05-13	$0
Income. Interest from US Government securities	2014-05-13	$0
Income. Interest from corporate debt instruments	2014-05-13	$0
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-05-13	$0
Expenses. Payments to insurance carriers foe the provision of benefits	2014-05-13	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-05-13	$312,628
Net investment gain/loss from pooled separate accounts	2014-05-13	$0
Net investment gain or loss from common/collective trusts	2014-05-13	$0
Net gain/loss from 103.12 investment entities	2014-05-13	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-05-13	No
Was there a failure to transmit to the plan any participant contributions	2014-05-13	No
Has the plan failed to provide any benefit when due under the plan	2014-05-13	No
Assets. Invements in employer securities at end of year	2014-05-13	$0
Assets. Invements in employer securities at beginning of year	2014-05-13	$795,982
Contributions received in cash from employer	2014-05-13	$221,419
Employer contributions (assets) at end of year	2014-05-13	$0
Employer contributions (assets) at beginning of year	2014-05-13	$27,922
Income. Dividends from preferred stock	2014-05-13	$0
Income. Dividends from common stock	2014-05-13	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-05-13	$2,526,146
Contract administrator fees	2014-05-13	$18,426
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2014-05-13	Yes
Liabilities. Value of benefit claims payable at beginning of year	2014-05-13	$0
Did the plan have assets held for investment	2014-05-13	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-05-13	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-05-13	Yes
Aggregate proceeds on sale of assets	2014-05-13	$1,186,886
Aggregate carrying amount (costs) on sale of assets	2014-05-13	$795,982
Liabilities. Value of acquisition indebtedness at beginning of year	2014-05-13	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-05-13	Yes
Opinion of an independent qualified public accountant for this plan	2014-05-13	Unqualified
Accountancy firm name	2014-05-13	HOGANTAYLOR LLP
Accountancy firm EIN	2014-05-13	731413977
2013 : THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2013 401k financial data
Unrealized appreciation/depreciation of real estate assets	2013-12-31	$0
Unrealized appreciation/depreciation of other (non real estate) assets	2013-12-31	$371,209
Total unrealized appreciation/depreciation of assets	2013-12-31	$371,209
Total transfer of assets to this plan	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Expenses. Interest paid	2013-12-31	$0
Amount of participant contributions which was failed to transmit to the plan within the time period described in 29 CFR 251.3-102	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$6,765,534
Total loss/gain on sale of assets	2013-12-31	$3,912
Total of all expenses incurred	2013-12-31	$2,120,686
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$2,102,375
Expenses. Certain deemed distributions of participant loans	2013-12-31	$0
Value of total corrective distributions	2013-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$3,653,995
Value of total assets at end of year	2013-12-31	$20,380,109
Value of total assets at beginning of year	2013-12-31	$15,735,261
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$18,311
Total income from rents	2013-12-31	$0
Total interest from all sources	2013-12-31	$8,941
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$317,316
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$315,757
Administrative expenses professional fees incurred	2013-12-31	$0
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Amount of non-exempt transactions with any party-in-interest	2013-12-31	$0
Contributions received from participants	2013-12-31	$1,678,664
Participant contributions at end of year	2013-12-31	$302,955
Participant contributions at beginning of year	2013-12-31	$334,366
Participant contributions at end of year	2013-12-31	$66,457
Participant contributions at beginning of year	2013-12-31	$0
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$1,292,994
Expenses. Other payments made (not to insurance carriers or or participants/beneficiaries)	2013-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at end of year	2013-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2013-12-31	$0
Other liabilities (not benefit claims, operating payabales oe acquisition indebtedness) at beginning of year	2013-12-31	$0
Other income not declared elsewhere	2013-12-31	$89
Administrative expenses (other) incurred	2013-12-31	$0
Liabilities. Value of operating payables at beginning of year	2013-12-31	$0
Total non interest bearing cash at end of year	2013-12-31	$0
Total non interest bearing cash at beginning of year	2013-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Income. Non cash contributions	2013-12-31	$0
Value of net income/loss	2013-12-31	$4,644,848
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$20,380,109
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$15,735,261
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Amount of loans by the plan or fixed income obligations due to the plan which were in default/classified-as-uncollectible as of the close of the plan year	2013-12-31	$0
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Amount of leases to which the plan was a party which were in default/classified-as-uncollectible during the year	2013-12-31	$0
Investment advisory and management fees	2013-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$19,186,793
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$12,521,001
Interest on participant loans	2013-12-31	$8,941
Income. Interest from loans (other than to participants)	2013-12-31	$0
Interest earned on other investments	2013-12-31	$0
Income. Interest from US Government securities	2013-12-31	$0
Income. Interest from corporate debt instruments	2013-12-31	$0
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2013-12-31	$0
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2013-12-31	$2,395,091
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2013-12-31	$2,395,091
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2013-12-31	$0
Expenses. Payments to insurance carriers foe the provision of benefits	2013-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$2,410,072
Net investment gain/loss from pooled separate accounts	2013-12-31	$0
Net investment gain or loss from common/collective trusts	2013-12-31	$0
Net gain/loss from 103.12 investment entities	2013-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Assets. Invements in employer securities at end of year	2013-12-31	$795,982
Assets. Invements in employer securities at beginning of year	2013-12-31	$484,803
Contributions received in cash from employer	2013-12-31	$682,337
Employer contributions (assets) at end of year	2013-12-31	$27,922
Employer contributions (assets) at beginning of year	2013-12-31	$0
Income. Dividends from preferred stock	2013-12-31	$0
Income. Dividends from common stock	2013-12-31	$1,559
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$2,102,375
Contract administrator fees	2013-12-31	$18,311
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2013-12-31	Yes
Liabilities. Value of benefit claims payable at beginning of year	2013-12-31	$0
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Aggregate proceeds on sale of assets	2013-12-31	$65,503
Aggregate carrying amount (costs) on sale of assets	2013-12-31	$61,591
Liabilities. Value of acquisition indebtedness at beginning of year	2013-12-31	$0
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Adverse
Accountancy firm name	2013-12-31	HOGAN TAYLOR LLP
Accountancy firm EIN	2013-12-31	731413977
2012 : THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2012 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2012-12-31	$919,019
Total unrealized appreciation/depreciation of assets	2012-12-31	$919,019
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$3,326,060
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$1,433,404
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$1,425,046
Value of total corrective distributions	2012-12-31	$4,008
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$1,944,870
Value of total assets at end of year	2012-12-31	$15,735,261
Value of total assets at beginning of year	2012-12-31	$13,842,605
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$4,350
Total interest from all sources	2012-12-31	$7,263
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$463,800
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$425,510
Administrative expenses professional fees incurred	2012-12-31	$4,350
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$1,375,592
Participant contributions at end of year	2012-12-31	$334,366
Participant contributions at beginning of year	2012-12-31	$0
Participant contributions at end of year	2012-12-31	$0
Participant contributions at beginning of year	2012-12-31	$41,321
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$98,831
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$1,892,656
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$15,735,261
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$13,842,605
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$12,521,001
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$10,546,005
Interest on participant loans	2012-12-31	$7,263
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2012-12-31	$2,395,091
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2012-12-31	$2,634,012
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2012-12-31	$2,634,012
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$-8,892
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Assets. Invements in employer securities at end of year	2012-12-31	$484,803
Assets. Invements in employer securities at beginning of year	2012-12-31	$620,456
Contributions received in cash from employer	2012-12-31	$470,447
Employer contributions (assets) at end of year	2012-12-31	$0
Employer contributions (assets) at beginning of year	2012-12-31	$811
Income. Dividends from common stock	2012-12-31	$38,290
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$1,425,046
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	HOGANTAYLOR LLP
Accountancy firm EIN	2012-12-31	731413977
2011 : THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2011 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2011-12-31	$-961,273
Total unrealized appreciation/depreciation of assets	2011-12-31	$-961,273
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$724,057
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$1,837,313
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$1,837,008
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$1,279,673
Value of total assets at end of year	2011-12-31	$13,842,605
Value of total assets at beginning of year	2011-12-31	$14,955,861
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$305
Total interest from all sources	2011-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$393,027
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Administrative expenses professional fees incurred	2011-12-31	$305
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$109,885
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$994,016
Participant contributions at end of year	2011-12-31	$41,321
Participant contributions at beginning of year	2011-12-31	$31,409
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$132,037
Other income not declared elsewhere	2011-12-31	$12,630
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$-1,113,256
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$13,842,605
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$14,955,861
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$10,546,005
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$11,253,319
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2011-12-31	$2,634,012
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2011-12-31	$2,737,031
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2011-12-31	$2,737,031
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Assets. Invements in employer securities at end of year	2011-12-31	$620,456
Assets. Invements in employer securities at beginning of year	2011-12-31	$933,680
Contributions received in cash from employer	2011-12-31	$153,620
Employer contributions (assets) at end of year	2011-12-31	$811
Employer contributions (assets) at beginning of year	2011-12-31	$422
Income. Dividends from common stock	2011-12-31	$393,027
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$1,837,008
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	HOGANTAYLOR LLP
Accountancy firm EIN	2011-12-31	731413977
2010 : THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2010 401k financial data
Unrealized appreciation/depreciation of other (non real estate) assets	2010-12-31	$1,231,910
Total unrealized appreciation/depreciation of assets	2010-12-31	$1,231,910
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$2,444,438
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$5,061,205
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$5,060,950
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$864,202
Value of total assets at end of year	2010-12-31	$14,955,861
Value of total assets at beginning of year	2010-12-31	$17,572,628
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$255
Total interest from all sources	2010-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$348,326
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$348,326
Administrative expenses professional fees incurred	2010-12-31	$255
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$495,733
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$728,651
Participant contributions at end of year	2010-12-31	$31,409
Participant contributions at beginning of year	2010-12-31	$23,992
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$13,729
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$-2,616,767
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$14,955,861
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$17,572,628
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$11,253,319
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$11,885,184
Value of interest bearing cash (including money market accounts and certificates of deposits) at end of year	2010-12-31	$2,737,031
Interest-bearing cash (include money market accounts & certificates of deposit) at beginning of the Year	2010-12-31	$3,974,920
Value of interest bearing cash (including money market accounts and certificates of deposits) at beginning of year	2010-12-31	$3,974,920
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Assets. Invements in employer securities at end of year	2010-12-31	$933,680
Assets. Invements in employer securities at beginning of year	2010-12-31	$1,679,838
Contributions received in cash from employer	2010-12-31	$121,822
Employer contributions (assets) at end of year	2010-12-31	$422
Employer contributions (assets) at beginning of year	2010-12-31	$8,694
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$5,060,950
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	HOGANTAYLOR LLP
Accountancy firm EIN	2010-12-31	731413977

Form 5500 Responses for THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN

2014: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	Yes
2014-01-01	This submission is the final filing	Yes
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	Yes
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2010: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	Yes
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Trust	Yes
2010-01-01	Plan benefit arrangement - Trust	Yes
2009: THE F&M BANK & TRUST COMPANY INCENTIVE SAVINGS PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

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Company Name:	THE F&M BANK & TRUST COMPANY
Employer identification number (EIN):	730539046
NAIC Classification:	522110
NAIC Description:	Commercial Banking