F & M Bank, National Association

F & M Bank, National Association is headquartered in West Point and is the 35^th largest bank in the state of Nebraska. It is also the 2,330^th largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 59 employees at 5 locations. F & M Bank, National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics F&M Bank FDIC Certificate # 14922 BankRate Report View Year Established 1931 Employees 59 Primary Regulator FDIC Assets and Liabilities Assets $277.29 million Loans $153.86 million Deposits $240.80 million Equity Capital $24.54 million Loan Loss Allowance $1.93 million Unbacked Noncurrent Loans $479,000 Real Estate Owned $375,000 Historic Data - March 2011 Assets $278.73 million Equity Capital $22.04 million Loan Loss Allowance $2.37 million Unbacked Noncurrent Loans $1.95 million Profit Margin - Quarterly Net Interest Margin 3.25% Return on Assets 1.13% Return on Equity 12.95% Interest Income $2.56 million

Institution Health Overall Score: 5 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 & M Bank, National Association had $854,000 in non-current loans and owned real-estate with $26.47 million in equity and loan loss allowances on hand to cover it. This gives F & M Bank, National Association a Texas Ratio of 3.23% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for F & M Bank, National Association decreased significantly from 7.99% as of March 31, 2011 to 3.23% as of March 31, 2012, resulting in a positive change of 59.60%.This indicates that the balance sheet and financial strength for F & M Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, F & M Bank, National Association has decreased its total deposits by -$1.13 million, resulting in -0.47% 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 & M Bank, National Association has shown is 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 & M Bank, National Association has $277.29 million in assets with $26.47 million in equity, resulting in a capitalization level of 9.55%, which is average.

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