F&M Bank

F&M Bank is headquartered in Tulsa and is the 7^th largest bank in the state of Oklahoma. It is also the 353^rd largest bank in the nation. It was established in 1946 and as of September of 2011, it had grown to 305 employees at 11 locations. F&M Bank has a 5-star health rating.

F&M Bank Checking Account Rates

Data for Q3 2011

Institution Statistics The F&M Bank & Trust Company FDIC Certificate # 16390 BankRate Report View Year Established 1946 Employees 305 Primary Regulator FED Assets and Liabilities Assets $1.97 billion Loans $1.33 billion Deposits $1.70 billion Equity Capital $193.31 million Loan Loss Allowance $15.19 million Unbacked Noncurrent Loans $12.60 million Real Estate Owned $5.01 million Historic Data - September 2010 Assets $1.42 billion Equity Capital $132.42 million Loan Loss Allowance $13.71 million Unbacked Noncurrent Loans $28.35 million Real Estate Owned $4.34 million Profit Margin - Quarterly Net Interest Margin 3.63% Return on Assets -0.31% Return on Equity -3.68% Interest Income $51.65 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 September 30, 2011 F&M Bank had $17.6 million in non-current loans and owned real-estate with $208.5 million in equity and loan loss allowances on hand to cover it. This gives F&M Bank a Texas Ratio of 8.44% 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 Bank decreased significantly from 22.38% as of September 30, 2010 to 8.44% as of September 30, 2011, resulting in a positive change of 62.27%.This indicates that the balance sheet and financial strength for F&M Bank has improved significantly in recent periods. Deposit Growth In the past year, F&M Bank has increased its total deposits by $427.49 million, resulting in 33.6% 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 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 Bank has $1.97 billion in assets with $208.5 million in equity, resulting in a capitalization level of 10.60%, which is above average.

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