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First Community Bank

Knob Noster, MO · Cert 14023

FDIC

Q3 2012

$590.4MAssets
$426.2MLoans
$515.4MDeposits
$55.2MEquity
Loan mix
90%RE $323.4M8%C&I $27.2M3%Consumer $9.6MQ3 2011Q3 2012
Deposit mix
87%Interest-bearing $449.0M13%Noninterest $66.4MQ3 2011Q3 2012

NIM

5.36%Q3 ’104.86%Q3 ’114.65%Q3 ’12-7%+5%

Non-interest income vs. expense

4.25%Q3 ’103.75%Q3 ’113.81%Q3 ’12+2%-31%

Executive Summary

  • Earnings: ROA of 0.86%, up 71 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 1.31%.
  • Funding: loans stand at 82.70% of deposits as of Q3 2012.

Financial Results

Return on Assets (quarter, annualized)

0.86%+71 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+16 bps YoY

Efficiency Ratio (quarter, annualized)

67.76%-1,318 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2011Q4 2011Q1 2012Q2 2012Q3 2012YoY ΔTrend
Earnings
Return on Assets0.15%10.42%0.51%-0.07%0.86%+71 bps
Return on Equity1.85%5.08%6.09%-0.86%9.50%+765 bps
Net Interest Margin3.31%3.39%3.29%3.43%3.47%+16 bps
Efficiency Ratio80.94%80.66%73.71%69.91%67.76%-1,318 bps
Non-Interest Burden2.43%2.41%2.02%1.83%1.66%-76 bps
Growth
Asset Growth (YoY)7.30%4.35%-1.33%-4.87%-5.82%-1,312 bps
Loan Growth (YoY)-0.16%-1.85%-5.15%-5.61%-8.04%-787 bps
Deposit Growth (YoY)10.10%6.75%0.43%-5.27%-6.66%-1,675 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.69%2.14%2.35%2.38%1.31%+62 bps
Allowance / Loans2.51%2.10%1.77%1.87%1.79%-72 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 Capital14.19%14.13%14.79%14.58%15.31%+112 bps
Equity / Assets8.36%8.31%8.43%8.82%9.35%+99 bps
Liquidity & Funding
Loans / Deposits83.94%81.27%78.43%82.01%82.70%-124 bps
Liquid Assets / Assets7.89%9.49%11.25%8.22%9.88%+199 bps
CRE / Total Capitaln/an/an/an/an/an/an/a