PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

F & M Community Bank, National Association

Chatfield, MN · Cert 35595

FDIC

Q2 2002

$9.0MAssets
$6.5MLoans
$7.1MDeposits
$1.8MEquity
Loan mix
62%RE $2.2M37%C&I $1.3M1%Consumer $0.0MQ2 2001Q2 2002
Deposit mix
91%Interest-bearing $6.4M9%Noninterest $0.7MQ2 2001Q2 2002

NIM

8.61%Q1 ’018.66%Q2 ’017.12%Q2 ’02+8%-14%

Non-interest income vs. expense

8.36%Q1 ’017.84%Q2 ’016.66%Q2 ’02-8%-21%

Executive Summary

  • Earnings: ROA of -2.02%, down 84 bps year over year; NIM at 5.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.31%.
  • Funding: loans stand at 90.96% of deposits as of Q2 2002.

Financial Results

Return on Assets (YTD, annualized)

-2.02%-84 bps YoY

Net Interest Margin (YTD, annualized)

5.23%-85 bps YoY

Efficiency Ratio (YTD, annualized)

107.55%-868 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets-1.18%-0.58%-0.67%-3.07%-2.02%-84 bps
Return on Equityn/an/an/a-14.01%-9.45%n/a
Net Interest Margin6.08%5.94%5.50%4.89%5.23%-85 bps
Efficiency Ratio116.23%116.93%115.37%111.48%107.55%-868 bps
Non-Interest Burden7.17%7.07%6.45%5.54%5.70%-147 bps
Growth
Asset Growth (YoY)n/an/a77.01%64.79%52.00%n/a
Loan Growth (YoY)n/an/a117.67%80.58%49.21%n/a
Deposit Growth (YoY)n/an/a134.68%105.62%80.94%n/a
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.09%0.11%0.08%0.06%0.31%+22 bps
Allowance / Loans0.99%1.00%0.90%1.07%1.22%+23 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 Capital43.03%37.29%31.25%27.30%27.76%-1,527 bps
Equity / Assets32.29%29.73%23.03%20.87%20.24%-1,205 bps
Liquidity & Funding
Loans / Deposits110.30%110.03%99.42%98.22%90.96%-1,934 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a