F&M Bank

F&M Bank is headquartered in Tulsa and is the 4^th largest bank in the state of Oklahoma. It is also the 320^th largest bank in the nation. It was established in 1946 and as of December of 2012, it had grown to 384 employees at 12 locations. F&M Bank has a 5-star health rating.

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Data for Q4 2012

Institution Statistics The F&M Bank & Trust Company FDIC Certificate # 16390 BankRate Report View Year Established 1946 Employees 384 Primary Regulator FED Assets and Liabilities Assets $2.31 billion Loans $1.86 billion Deposits $2.08 billion Equity Capital $203.87 million Loan Loss Allowance $25.11 million Unbacked Noncurrent Loans $12.76 million Real Estate Owned $3.78 million Historic Data - December 2011 Assets $2.01 billion Equity Capital $189.79 million Loan Loss Allowance $19.20 million Unbacked Noncurrent Loans $28.64 million Real Estate Owned $3.90 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.66% Return on Equity 7.32% Interest Income $90.20 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 December 31, 2012 F&M Bank had $16.54 million in non-current loans and owned real-estate with $228.97 million in equity and loan loss allowances on hand to cover it. This gives F&M Bank a Texas Ratio of 7.22% 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 decreased significantly from 15.57% as of December 31, 2011 to 7.22% as of December 31, 2012, resulting in a positive change of 53.60%.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 $270.63 million, resulting in 14.99% 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 $2.31 billion in assets with $228.97 million in equity, resulting in a capitalization level of 9.92%, which is average.

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