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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 ’019.82%Q2 ’017.38%Q2 ’02+30%-23%

Non-interest income vs. expense

8.36%Q1 ’018.41%Q2 ’016.96%Q2 ’02-3%-22%

Executive Summary

  • Earnings: ROA of -1.00%, down 49 bps year over year; NIM at 5.61%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.56%.
  • Funding: loans stand at 90.96% of deposits as of Q2 2002.

Financial Results

Return on Assets (quarter, annualized)

-1.00%-49 bps YoY

Net Interest Margin (quarter, annualized)

5.61%-167 bps YoY

Efficiency Ratio (quarter, annualized)

104.20%+72 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2001Q3 2001Q4 2001Q1 2002Q2 2002YoY ΔTrend
Earnings
Return on Assets-0.50%0.45%-0.93%-3.07%-1.00%-49 bps
Return on Equity-1.47%1.47%-3.57%-14.01%-4.84%-338 bps
Net Interest Margin7.28%6.75%7.52%4.89%5.61%-167 bps
Efficiency Ratio103.48%118.03%112.35%111.48%104.20%+72 bps
Non-Interest Burden7.56%8.17%8.56%5.54%5.89%-168 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%0.16%0.06%0.06%0.56%+47 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