No, that is not bad. It's normal. While you are not running anyhting your processor is just sitting there, doing nothing really, so the temps are low. When you run F@H your processor is doing calculations continuously, so the processor will heat up to a certain point. That temperature is fine, you processor is safe.
Out of curiousity, what proc and cooling are you using.? Regardless of whether its AMD or Intel its a fine temp. Check your ambient temps to see if its high.
That temp doesn't sound out of sorts. I too would be curious to know what processor, cooling, etc you're using. Also, don't forget, ambient temp can also cause temps to shoot up like that.