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This is the annual report of F & M Bank Corp for the fiscal year ended December 31, 2023, providing an overview of the company\'s financial performance, disclosures on internal controls, risk factors, regulatory compliance, and corporate governance. It includes comprehensive financial statements and management\'s discussion and analysis, detailing various aspects of the company\'s operations, including its loan portfolio, capital requirements, and market risks.
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How to fill out form 10-k

01
Begin by downloading the Form 10-K from the SEC website or your company's investor relations page.
02
Enter the company's name and SEC file number at the top of the form.
03
Fill out the business section with a summary of the company’s business operations, including products, services, and markets.
04
Complete the risk factors section by listing significant risks that could impact the company’s performance.
05
Provide management’s discussion and analysis (MD&A) detailing financial condition and results of operations.
06
Include the financial statements section with the balance sheet, income statement, and cash flow statement.
07
Complete the notes to financial statements, providing additional details and disclosures.
08
Fill in the disclosures on executive compensation, including salaries and bonuses for top executives.
09
Review the legal proceedings section for any ongoing lawsuits or legal issues affecting the company.
10
Sign and date the form before submitting it electronically to the SEC.

Who needs form 10-k?

01
Publicly traded companies are required to file Form 10-K annually with the SEC.
02
Investors and analysts seek Form 10-K for detailed financial insights and performance data.
03
Regulatory bodies may require 10-K filings for compliance and monitoring purposes.
04
Creditors and lenders use Form 10-K to assess creditworthiness and risk.
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Form 10-K is an annual report required by the U.S. Securities and Exchange Commission (SEC) that provides a comprehensive overview of a company's financial performance, including audited financial statements.
All publicly traded companies in the U.S. that are registered with the SEC are required to file Form 10-K.
To fill out Form 10-K, companies need to provide detailed information about their business operations, financial performance, and management's discussion and analysis, along with audited financial statements.
The purpose of Form 10-K is to provide investors and the public with a comprehensive overview of a company's financial condition and operating results, thereby ensuring transparency in the financial markets.
Form 10-K must report information including business description, risk factors, selected financial data, management's discussion and analysis, financial statements, and notes to the financial statements.
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