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 |
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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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