F&M Bank and Trust Company

505 Broadway
Hannibal, MO 63401
1-877-221-6424
www.bankfm.com

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F&M Bank and Trust Company is headquartered in Hannibal and is the 123^rd largest bank in the state of Missouri. It is also the 3,446^th largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 113 employees at 9 locations. F&M Bank and Trust Company has a 2-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

F&M Bank and Trust Company Checking Account Rates

Apy	Min	Max	Product
0.10%	$500	-	Safekeeping NOW Account
0.05%	$500	-	NOW Account

F&M Bank and Trust Company Savings Account Rates

	Apy	Min	Max	Product
	0.15%	$100	-	Savings Account

F&M Bank and Trust Company Money Market Rates

	Apy	Min	Max	Product
	0.20%	$50k	-	Money Market Account

F&M Bank and Trust Company CD Rates

Apy	Min	Max	Product
1.10%	$10k	-	60 Month CD
1.00%	$10k	-	60 Month CD w/Interest By Check
0.90%	$10k	-	48 Month CD
0.85%	$10k	-	42 Month CD
0.85%	$10k	-	48 Month CD w/Interest By Check
0.80%	$10k	-	36 Month CD
0.75%	$10k	-	42 Month CD w/Interest By Check
0.70%	$10k	-	30 Month CD
0.70%	$10k	-	36 Month CD w/Interest By Check
0.60%	$10k	-	24 Month CD
0.60%	$10k	-	30 Month CD w/Interest By Check
0.50%	$10k	-	24 Month CD w/Interest By Check
0.35%	$10k	-	18 Month CD
0.30%	$10k	-	12 Month CD
0.25%	$10k	-	6 Month CD
0.25%	$10k	-	18 Month CD w/Interest By Check
0.20%	$10k	-	91 Day CD
0.20%	$10k	-	12 Month CD w/Interest By Check
0.15%	$10k	-	6 Month CD w/Interest By Check
0.10%	$10k	-	30 Day CD
0.10%	$10k	-	91 Day CD w/Interest By Check
0.00%	$10k	-	30 Day CD w/Interest By Check

F&M Bank and Trust Company IRA Rates

Apy	Min	Max	Product
0.85%	$1k	-	42 Month IRA
0.80%	$1k	-	36 Month IRA
0.70%	$1k	-	30 Month IRA
0.60%	$1k	-	24 Month IRA
0.35%	$1k	-	18 Month IRA
0.30%	$1k	-	12 Month IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

F&M Bank and Trust Company
OTS #	05608
FDIC Certificate #	30595
BankRate Report	View
Year Established	1886
Employees	113
Primary Regulator	OCC
Assets and Liabilities
Assets	$176.46 million
Loans	$130.90 million
Deposits	$142.77 million
Equity Capital	$14.49 million
Loan Loss Allowance	$1.87 million
Unbacked Noncurrent Loans	$6.61 million
Real Estate Owned	$1.95 million
Historic Data - March 2011
Assets	$180.42 million
Equity Capital	$15.70 million
Loan Loss Allowance	$1.34 million
Unbacked Noncurrent Loans	$1.94 million
Real Estate Owned	$2.54 million
Profit Margin - Quarterly
Net Interest Margin	3.51%
Return on Assets	0.02%
Return on Equity	0.3%
Interest Income	$1.83 million

Institution Health

Overall Score:

2 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 and Trust Company had $8.55 million in non-current loans and owned real-estate with $16.35 million in equity and loan loss allowances on hand to cover it. This gives F&M Bank and Trust Company a Texas Ratio of 52.30% which is below 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 Bank and Trust Company increased slightly from 25.59% as of March 31, 2011 to 52.30% as of March 31, 2012, resulting in a negative change of 104.35%. This indicates that the balance sheet and financial strength for F&M Bank and Trust Company has declined slightly in recent periods.
Deposit Growth
In the past year, F&M Bank and Trust Company has decreased its total deposits by -$2.88 million, resulting in -1.98% 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 and Trust Company has shown is below 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 and Trust Company has $176.46 million in assets with $16.35 million in equity, resulting in a capitalization level of 9.27%, which is average.

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