PackageTrendsPeer
Letter portraitLegal landscape

First Community Bank

Columbus, OH · Cert 17520

FDIC · 4 branches

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Community Bank

Columbus, OH · Cert 17520

FDIC · 4 branches

Q3 2015

$102.8MAssets
$62.5MLoans
$90.5MDeposits
$12.0MEquity
Loan mix
100%RE $45.9M0%C&I $0.0M0%Consumer $0.1MQ3 2014Q3 2015
Deposit mix
87%Interest-bearing $78.9M13%Noninterest $11.6MQ3 2014Q3 2015

NIM

4.63%Q3 ’134.29%Q3 ’143.96%Q3 ’15-5%-10%

Non-interest income vs. expense

3.29%Q3 ’134.17%Q3 ’143.84%Q3 ’15+19%-7%

Market Position · Columbus, OH · 2015 SOD (annual) · 0.1% share · #29 of 57 inst. · $0.1B of $58.5B

0.2% Franklin
2.6% Madison

Executive Summary

  • Earnings: ROA of -0.27%, down 161 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 11.62%.
  • Funding: loans stand at 69.08% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

-0.27%-161 bps YoY

Net Interest Margin (YTD, annualized)

3.23%-38 bps YoY

Efficiency Ratio (YTD, annualized)

107.56%+407 bps YoY

Tier 1 Leverage Ratio

11.62%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets1.34%1.42%0.27%0.33%-0.27%-161 bps
Return on Equity11.67%12.19%2.21%2.69%-2.22%-1,388 bps
Net Interest Margin3.61%3.51%3.25%3.24%3.23%-38 bps
Efficiency Ratio103.49%99.78%92.50%91.14%107.56%+407 bps
Non-Interest Burden3.75%3.50%2.98%2.92%3.50%-25 bps
Growth
Asset Growth (YoY)-3.59%-0.46%1.28%0.72%4.18%+778 bps
Loan Growth (YoY)-4.48%-5.39%-4.45%1.08%1.78%+627 bps
Deposit Growth (YoY)-5.78%-2.92%-0.13%1.19%5.19%+1,097 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.10%0.30%0.00%0.09%0.08%-2 bps
Allowance / Loans2.61%1.88%1.90%1.80%1.80%-81 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a11.91%12.03%11.62%n/a
Total Risk-Based Capital21.19%21.53%21.55%21.31%21.00%-19 bps
Equity / Assets12.04%12.15%12.26%12.14%11.65%-40 bps
Liquidity & Funding
Loans / Deposits71.39%70.44%69.64%72.69%69.08%-231 bps
Liquid Assets / Assets10.11%8.73%7.92%5.79%9.73%-38 bps
CRE / Total Capitaln/an/an/an/an/an/an/a