F&M Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.7 has resulted in Good (7.0) profitability.
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.4. A current level of 0.8 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.3).
Asset Mix:
Home mtgs (11%), comm re (9%), cash (8%), securities (5%), comm loans (5%), home eq lns (3%), consumer loans (1%), other (58%)
States with Branches:
IA, NE
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
West Point Bancorp, Inc.
Investment Rating
--
Address
204 North Main Street
West Point, NE 68788
West Point, NE 68788
Phone Number
(402) 372-5331
Year Founded
1931
FDIC Number
Website
Largest Affiliates
Las Vegas, NV
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Bank