F & M Community Bank, National Association

F & M Community Bank, National Association is headquartered in Preston and is the 181^st largest bank in the state of Minnesota. It is also the 5,113^st largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 24 employees at 2 locations. F & M Community Bank, National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics F & M Community Bank, National Association FDIC Certificate # 10967 BankRate Report View Year Established 1911 Employees 24 Primary Regulator OCC Assets and Liabilities Assets $93.85 million Loans $63.48 million Deposits $80.14 million Equity Capital $12.28 million Loan Loss Allowance $744,000 Unbacked Noncurrent Loans $1.18 million Real Estate Owned $107,000 Historic Data - March 2011 Assets $90.74 million Equity Capital $11.08 million Loan Loss Allowance $932,000 Unbacked Noncurrent Loans $1.89 million Real Estate Owned $172,000 Profit Margin - Quarterly Net Interest Margin 4.64% Return on Assets 1.63% Return on Equity 12.52% Interest Income $1.17 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 Community Bank, National Association had $1.29 million in non-current loans and owned real-estate with $13.02 million in equity and loan loss allowances on hand to cover it. This gives F & M Community Bank, National Association a Texas Ratio of 9.91% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for F & M Community Bank, National Association decreased significantly from 17.13% as of March 31, 2011 to 9.91% as of March 31, 2012, resulting in a positive change of 42.15%.This indicates that the balance sheet and financial strength for F & M Community Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, F & M Community Bank, National Association has increased its total deposits by $3.84 million, resulting in 5.03% 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 Community Bank, National Association has shown is excellent. 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 Community Bank, National Association has $93.85 million in assets with $13.02 million in equity, resulting in a capitalization level of 13.88%, which is excellent.

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