F & C Bank

F & C Bank is headquartered in Holden and is the 173^rd largest bank in the state of Missouri. It is also the 4,482^nd largest bank in the nation. It was established in 1881 and as of March of 2012, it had grown to 43 employees at 3 locations. F & C Bank has a 4-star health rating.

F & C Bank Routing Number: 101902146

F & C Bank CD Rates

Data for Q1 2012

Institution Statistics F & C Bank FDIC Certificate # 9378 BankRate Report View Year Established 1881 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $119.28 million Loans $95.37 million Deposits $99.03 million Equity Capital $14.53 million Loan Loss Allowance $1.57 million Unbacked Noncurrent Loans $722,000 Real Estate Owned $2.00 million Historic Data - March 2011 Assets $116.93 million Equity Capital $14.31 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $2.13 million Real Estate Owned $1.32 million Profit Margin - Quarterly Net Interest Margin 5.5% Return on Assets 1.42% Return on Equity 11.7% Interest Income $1.59 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 F & C Bank had $2.73 million in non-current loans and owned real-estate with $16.11 million in equity and loan loss allowances on hand to cover it. This gives F & C Bank a Texas Ratio of 16.92% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for F & C Bank decreased slightly from 21.57% as of March 31, 2011 to 16.92% as of March 31, 2012, resulting in a positive change of 21.54%.This indicates that the balance sheet and financial strength for F & C Bank has improved slightly in recent periods. Deposit Growth In the past year, F & C Bank has increased its total deposits by $2.3 million, resulting in 2.38% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth F & C Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. F & C Bank has $119.28 million in assets with $16.11 million in equity, resulting in a capitalization level of 13.50%, which is excellent.

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