M&F Bank

M&F Bank is headquartered in Kosciusko and is the 6^th largest bank in the state of Mississippi. It is also the 422^nd largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 460 employees at 39 locations. M&F Bank has a 3-star health rating.

M&F Bank Checking Account Rates

Data for Q1 2012

Institution Statistics Merchants and Farmers Bank FDIC Certificate # 9361 BankRate Report View Year Established 1890 Employees 460 Primary Regulator FDIC Assets and Liabilities Assets $1.60 billion Loans $992.10 million Deposits $1.41 billion Equity Capital $139.14 million Loan Loss Allowance $16.08 million Unbacked Noncurrent Loans $14.85 million Real Estate Owned $34.64 million Historic Data - March 2011 Assets $1.60 billion Equity Capital $135.05 million Loan Loss Allowance $17.04 million Unbacked Noncurrent Loans $37.75 million Real Estate Owned $29.66 million Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 0.46% Return on Equity 5.29% Interest Income $16.20 million

Institution Health Overall Score: 3 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 M&F Bank had $49.49 million in non-current loans and owned real-estate with $155.22 million in equity and loan loss allowances on hand to cover it. This gives M&F Bank a Texas Ratio of 31.88% 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 M&F Bank decreased slightly from 44.32% as of March 31, 2011 to 31.88% as of March 31, 2012, resulting in a positive change of 28.06%.This indicates that the balance sheet and financial strength for M&F Bank has improved slightly in recent periods. Deposit Growth In the past year, M&F Bank has increased its total deposits by $8.71 million, resulting in 0.62% 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 M&F Bank has shown is 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. M&F Bank has $1.6 billion in assets with $155.22 million in equity, resulting in a capitalization level of 9.71%, which is average.

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