Quarterly Newsletter
Customer Spotlight
Ladies, if you haven’t discovered Danni
Nicole’s in downtown Hannibal yet, you’re
missing out on an untapped resource for your
latest styles and fashions. Gentlemen, take
notes, this information could turn a forgotten
birthday, anniversary, or special day into brownie
points for you.
Danni Nicole’s, women’s clothing store opened
in April 2009, and is a thriving downtown shop.
Mary Short and her daughter, Crystal, have made
big changes in the short time they’ve been in
business. Danni Nicole’s is now in two downtown
locations. Their Missy size (sizes 2-16) shop is
in their original location at 119 N. Main, while the
Plus size (sizes 16-24) shop is right down the
street at 101 N. Main. The need to expand was to
accommodate for all women’s sizes.
Danni Nicole’s sells an assortment of the
latest styles and fashions in clothing including
lines from: Tribal, Erin London, Larry Levine,
Focus, Oleg Cassini, Multiples, Picadilly, August
Silk, Robbie Bee, !iT Jeans and other various
product lines. Danni Nicole’s also offers quality
Brighton sterling silver jewelry, costume jewelry,
scarves and purses.
Guys don’t get totally left out. Danni Nicole’s
is now offering affordable tuxedo rentals for
Hannibal, MO Monroe City, MO
505 Broadway O’Fallon, MO
3912 Market Street Palmyra, MO
Highway 61 North Shelbina, MO
Danni Nicole’s Fall 2010
Mary & Crystal Short, Owners volume 4 | issue 3
Hannibal, Missouri
Mark Gorman
weddings, homecoming, prom or formal events. F&M’s Newest
While not inside the friendly confines of Danni Board Member
Nicole’s, Mary and Crystal put on fashion shows
for organizations or groups who want a fun event
or are just looking to have a good time. Crystal Credit Tips,
normally heads these events. The organization “The 5 C’s of Credit”
or group picks a few models to come to Danni
Nicole’s, pick out a few outfits, and then “walk the
catwalk” at the group’s event. Fun and fashion is Lee Viorel: Perseverance,
had by all and those attending have the opportunity Loyalty, Integrity
to get Danni Nicole’s products for a discount.
Mary and Crystal obviously have a lot going A “Tip of the Hat”
on right now. Mary was appreciative when asked to Frank Crowe
about F&M Bank and Trust’s role in helping to
secure a loan to get started on their fashion Tips from
adventure. “F&M was the only bank that would Frank at the Bank
take a chance on us,” Mary said, “I worked with
Frank DiTillo. What a good guy. He seemed like
he bent over backwards for us to get what we New Faces
needed. You’ve got to appreciate service like that.” at F&M Bank and Trust
Obviously taking a chance on local people isn’t
such a bad thing after all. Danni Nicole’s has added
two great locations to the downtown area. F&M Outstanding Commitment
is proud to be a partner in the future growth of a in the Banking Field
thriving local business.
Danni Nicole’s is open Monday through Saving vs. Investing
Thursday from 10 am to 5 pm and Friday and
Saturday from 10 am to 7 pm. Next time you’re in Saving Tips for Children
the mood to get a lot of style for a little green, keep
it local with Danni Nicole’s in downtown Hannibal.
Mary, Crystal, and their qualified staff will make you
feel right at home.
Springfield, MO Account Information 1.800.606.6414
St. Louis, MO MO Toll Free 1.877.221.6424
Quincy, IL www.bankfm.com

Mark Gorman
F&M Board Member
Since 2010
Mark Gorman is the founder
and Chairman of Gorman &
Gorman Home Loans. His
extensive experience in secondary
marketing helps provide an
industry-leading selection of loan
products.  Mark states, “The
merger with F&M Bank and Trust
will expand our horizons.”
Mark’s previous work
experience includes serving as
a vice president of United Postal
Savings Association and also as
a vice president of Mercantile
Mortgage, a division of Mercantile
Bank of St. Louis now U S Bank.
He is a graduate of Indiana
University School of Business
and is a licensed real estate
broker. He is also a continuing-
education instructor certified by the
Missouri Real Estate Commission.
Mark elaborates, “We are now a
mortgage company with banking
services. When people buy a
home we can offer a broader range
of loan services.”
Mark was elected to the Board
of Governors of the Mortgage
Bankers Association of St. Louis
in 1997 and served as President
in 2002.   He was elected to
the Board of Governors of the
Mortgage Bankers Association
of Missouri in 2002 and was the
2007 President.  Mark has also
served as the President of the
Entrepreneurs Organization of St.
Louis and is the recipient of the
organization’s 2007 Entrepreneur
of the Year award.  payment do you have towards
Married with four children, Mark
stays busy with church and his
children’s activities. He enjoys
golf, gardening and reading. “I like
working with people one on one.”
F&M is small enough that common
sense prevails, and it doesn’t take
an act of God to get something
accomplished,” Mark says. “We’ve
worked together for over five
years. This merger was a great fit
for Gorman & Gorman, me and the
employees.”
CREDIT TIPS
The 5 C’s of Credit...
Capacity, Capital, Collateral,
Conditions & Character
When you go to your bank
or other lending institution to
get a personal or business
loan, how do you think they
are assessing your loan
application? It is not just your
credit score from the credit
bureau that is looked at. There
are a number of things that
are considered, and they can
be summed up as the
FIVE C’s OF CREDIT.
Capacity. This critical factor
will look at your ability to repay
the loan taking into account
factors that include income,
cash flows, and timing of
the repayment. What is the
likelihood that the loan can be
repaid as planned?
Capital. This is an
indication of your financial
resources. How much money
do you have invested in the
business? Do you have a
savings account or investment
to help you through a tough
period? How much down
a purchase? For instance
the best home interest rates
“...F&M is small enough that common sense prevails and it
doesn’t take an act of God to get something accomplished.”
today are available to those
people who have at least
20% equity in their homes
or 20% cash down for a
purchase. You can purchase
a home with lower down
payment, but the interest
rates are higher.
Collateral. Having
collateral is pledging an
asset that you own. For
most of us that is a car,
a home or some other
property of value. In a
situation where you are
unable to repay the loan the
lender will take possession
of the collateral and sell it
in an attempt to repay the
loan. This is considered
a secondary source for
repayment of a loan.
Conditions. This
considers the purpose of
the loan. It is common to
purchase vehicles and
homes on credit. Business
will borrow for working
capital, equipment and
inventory. The purpose of
the loan, how you plan to
use the
money,
and the impact on your income
and financial condition are
factors here. For businesses
this can include things
such as consideration of
the economy, current and
prospective legislation, and
your competition.
Character. This is a
measure of how a loan
applicant has proven their
willingness to repay their
loans, to meet their financial
obligations. Credit scores are
one of the tools used here.
What does the bank know
about your financial history?
Applying at banks where you
have opened and maintained
checking and savings accounts
is helpful. For a business
this may include considering
the work experience of the
borrower, the management
experience of the borrower,
and the applicant’s knowledge
of their industry.
– Mark Gorman
 In Memory of
Lee Viorel1943 - 2010
Perseverance, Loyalty, Integrity
F&M Board of Directors 1998 - 2010

Many years later as or stressful challenges. He cared

It is with deep regret we learned of
the passing of Lee John Viorel. loan industry, MCM Savings
I first got to know Lee in 1972. I
was very young, and he was my
supervisor as we worked one
summer on the first election of
Congressman Harold Volkmer. I
will always remember going
door to door with Lee in St. Charles
on those blistering hot August
afternoons. That long ago
experience, working with Lee,
taught me to speak to strangers
without fear. Lee was tireless,
dedicated, and always
professional.
Congressman Harold Volkmer’s
Manager I remember calling
on Lee in the late 1980’s - in
the middle of the last major
recession. At that time, as
with most of the savings and
Bank was challenged to ride
out the rough economic times.
We wanted Lee to understand
the details of local financial
challenges. His patience’s to
listen, understanding of the
details, and commitment to help
everyone’s voice to be heard
was extremely important in those
stressful times.
Lee joined the MCM Board of
Directors in 1998. He was never
afraid of difficult Board decisions
about our staff, customers, and
stockholders. He committed his time
when I am sure there were more fun
things to do in his personal life. He
challenged management to always
do a better job - which is what a
Britney Coleman
Customer Service Representative
good Director should do. F&M’s Main Branch Location
We are proud he was a Director
of F&M Bank and Trust. We are a • Britney and her fiancé
better bank due to his dedication, Andrew Buckwalter
loyalty, and integrity. From his reside in Hannibal and
leadership in the Democratic
Party, commitment to community
are actively planning an
service, his church, and his family, October 2011 wedding.
our community is a better place •Former Miss Teen
because of his time with us. Hannibal and Miss Teen
Northeast Missouri
Respectfully,
• Enjoys working with
people

“Lee left behind a wonderful family, a remarkable professional

career, and high standards for fairness, courage, and ethical
business dealings that we all would be proud to achieve.”

A “TIP of the Hat” to Frank at the Bank...

In the Fall 1996 Newsletter a new from Frank. (He made me get my grandmother to guaranty
section called “Tips from Frank at the it, my parents wouldn’t sign, thought I was too big of a risk!)
Bank” started. Off and on over the next Since then, Frank has helped countless other young
14 years our customers have received people get their first car, buy their first home, and start their
advice ranging from how to remove frozen snow, how business. He has built friendships with our individual bank
to sprinkle salt on a spill in the oven to sharpening dull customers, strengthened relationships with our commercial
scissors and other essential skills everyone needs to get customers, and provided us all with tips to entertain and
through their day. I am sorry to announce, after 14 years, maybe even make our life just a little easier.
we will no longer be able to feature this indispensable We all wish Frank Crowe the best of luck in retirement Paula Brocaille
knowledge. More importantly, I am sorry to announce, that and hope he comes back to visit us with both his tips and Teller
the source of this information has taken retirement from more importantly, his smile and friendship. F&M’s Main Branch Location
F&M Bank and Trust. Frank “at the Bank” Crowe, joined
F&M in 1970. As a kid in high school, I got my first car loan
• Paula joins F&M Bank
with 6 years of previous
banking experience.
Tips from Frank at the Bank~ by Frank Crowe • Was born and raised
in Hannibal.
Write your name and address on an To rid smelly sneakers of their odor, Use a rubber dustpan to clean snow
index card, roll it up, remove your place a fabric softener sheet into and ice from your windshield. It is • She and her husband
bicycle seat and drop the card into the each shoe before putting them away. faster than using an ice scraper. Mark have 2 children:
frame. You will always be able to prove
the bike is yours. When having frozen pizza, cut it into Crystal and Michael.
slices prior to baking. It is less messy • Is a member of
When you are making yeast breads or than cutting the pizza after it is baked
rolls, warm the oven briefly, shut it off and the cheese is melted. Oakwood Christian
and place the pans inside. The dough Church
will rise nicely.

Working in a bank, I often
hear people use the terms saving
and investing interchangeably.
Saving and investing seem to be
similar terms, however, they are
very different.
Saving money is accomplished
by spending less money than you
make and setting it aside (in a very
safe place) like a savings account
or CD. In this situation, most of the
accumulation is due to the deposits
and very little is a result of interest.
This is an excellent way to help
protect yourself against a financial
emergency like a sudden job loss,
major car or home repair, or medical
bills. However, it is not such a great
way to grow your money over time
- for such goals as retirement or
financial independence. The reason
for this is your money never really
grows. CD rates over the last 14
years have averaged 3.83%. Over
the same time period inflation has
averaged 2.27%. When you add
the effect of income taxes you may
actually wind up losing money. In
the long run, you don’t make any
real progress towards your goal.
The solution to this dilemma is to
invest your money. When you invest
your money, you also make regular
deposits into an account. However,
this account will consist of a mixture
of stocks and bonds and possibly
other asset classes like commodities
and real estate. Many people I meet
tell me they are afraid to invest their
money because they are afraid of
seeing the values drop. When you
invest money it is inevitable that your
account value will fluctuate from time
to time. The purpose of investing
money is not to avoid any and all
drops in account values, it is to grow
your money over a certain amount
of time.
When you’re investing over a
longer period of time, you also want
to take advantage of tax deferral
whenever possible so you are not
paying taxes each and every year.
For example, if you are saving
for a child’s education you should
consider a Coverdell or 529 savings
plan. These will help you avoid the
taxation of the growth and even the
Saving
vs. Investing
Outstanding
With Roth IRAs Commitment in
distributions can the Banking Field
be tax free.
distribution as long as they are used
for educational purposes. If you are
saving for retirement it is important to
defer the taxes as long as possible.
This can be done with options such
as Traditional IRAs or annuities.
With Roth IRAs distributions can be
tax free.
In short, you want to save money
for the short-term and invest for
the long-term. You want to have
money in savings for emergencies
and opportunities, however, money
that is set aside for long-term goals
Joy McPike
like saving for a child’s education 25 Years
or retirement should be invested
so it grows in real terms. For
more information or to set up an
appointment please contact Eric
Evers, Certified Financial Planner
at 573.221.5418 or via email at
eevers@moneyconcepts.com.

Saving Tips for Children

•S ave some of the money you get from gifts, from your allowance, Cheryl Damron
and from doing chores or other jobs. 25 Years
• Make a savings goal and stick with it.
• Try to make a deposit in your savings account every month.
• Be smart about spending.

Board of Directors: Bayard Plowman, Chairman • Donald M. Bastain • Michael Bukstien, M.D. • William H. Craigmiles
Tom R. Dorsey, D.V.M. • Alvin (Spike) Ehrhardt • Mark Gorman • Charles Hickman • Jack Martin • Stevens Plowman
Paul Richards • Bill Sharp • Phillip Smith • Gordon Spilker