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F & M Bank, National Association, Oklahoma City, Oklahoma

Yukon, OK · Cert 27421

FDIC

Q3 2011

$80.9MAssets
$50.2MLoans
$72.0MDeposits
$8.0MEquity
Loan mix
77%RE $31.4M15%C&I $6.0M8%Consumer $3.1MQ3 2010Q3 2011
Deposit mix
63%Interest-bearing $45.3M37%Noninterest $26.7MQ3 2010Q3 2011

NIM

4.86%Q3 ’094.25%Q3 ’104.22%Q3 ’11-8%+7%

Non-interest income vs. expense

3.65%Q3 ’093.60%Q3 ’103.37%Q3 ’11+17%-25%

Executive Summary

  • Earnings: ROA of 1.49%, up 118 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.37%.
  • Funding: loans stand at 69.68% of deposits as of Q3 2011.

Financial Results

Return on Assets (YTD, annualized)

1.49%+118 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+26 bps YoY

Efficiency Ratio (YTD, annualized)

69.92%-2,026 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets0.32%0.33%1.35%1.36%1.49%+118 bps
Return on Equity3.65%3.73%14.49%14.62%15.76%+1,211 bps
Net Interest Margin3.61%3.85%3.66%3.71%3.88%+26 bps
Efficiency Ratio90.18%86.21%71.46%71.35%69.92%-2,026 bps
Non-Interest Burden3.22%3.25%2.35%2.37%2.43%-79 bps
Growth
Asset Growth (YoY)-2.50%-5.53%-7.89%3.35%2.65%+514 bps
Loan Growth (YoY)-12.23%-9.34%-8.23%2.12%2.06%+1,430 bps
Deposit Growth (YoY)-2.71%-6.46%-9.13%-3.37%1.68%+440 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.22%0.50%-0.04%-0.05%-0.37%-59 bps
Allowance / Loans2.16%2.13%2.21%2.15%2.37%+21 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital13.78%14.47%14.95%15.22%15.51%+173 bps
Equity / Assets8.95%9.39%9.27%9.33%9.91%+96 bps
Liquidity & Funding
Loans / Deposits69.42%73.00%67.55%71.57%69.68%+26 bps
Liquid Assets / Assets6.74%5.74%5.79%5.14%4.62%-212 bps
CRE / Total Capitaln/an/an/an/an/an/an/a