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First Community Bank & Trust

Bargersville, IN · Cert 29596

FDIC

Q3 2004

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 2004, the quarter ended September 30, 2004, 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 & Trust

Bargersville, IN · Cert 29596

FDIC

Q3 2004

$159.5MAssets
$107.6MLoans
$118.2MDeposits
$28.4MEquity
Loan mix
55%RE $31.1M43%C&I $24.5M2%Consumer $0.9MQ3 2003Q3 2004
Deposit mix
85%Interest-bearing $100.8M15%Noninterest $17.4MQ3 2003Q3 2004

NIM

6.66%Q3 ’021.89%Q3 ’034.95%Q3 ’04-62%+151%

Non-interest income vs. expense

3.66%Q3 ’021.35%Q3 ’033.80%Q3 ’04-67%+214%

Executive Summary

  • Earnings: ROA of 0.65%, up 26 bps year over year; NIM at 3.88%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.79%.
  • Funding: loans stand at 91.01% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

0.65%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+233 bps YoY

Efficiency Ratio (YTD, annualized)

75.32%+1,043 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets0.40%0.36%0.64%0.63%0.65%+26 bps
Return on Equity3.23%2.72%3.78%3.68%3.79%+56 bps
Net Interest Margin1.55%2.02%3.61%3.73%3.88%+233 bps
Efficiency Ratio64.89%70.39%77.16%76.55%75.32%+1,043 bps
Non-Interest Burden0.87%1.30%2.64%2.69%2.74%+187 bps
Growth
Asset Growth (YoY)4.36%17.47%16.13%0.73%3.82%-54 bps
Loan Growth (YoY)-10.70%-6.58%-4.38%-4.50%-6.41%+429 bps
Deposit Growth (YoY)-7.88%3.73%4.92%-5.55%5.58%+1,346 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.27%0.29%-0.02%0.91%0.79%+52 bps
Allowance / Loans1.68%1.78%1.83%1.46%1.46%-23 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 Capital11.18%11.13%11.69%11.60%12.11%+93 bps
Equity / Assets17.67%16.66%17.42%17.07%17.80%+12 bps
Liquidity & Funding
Loans / Deposits102.66%94.31%92.77%95.83%91.01%-1,165 bps
Liquid Assets / Assets1.30%3.01%1.68%0.10%0.15%-115 bps
CRE / Total Capitaln/an/an/an/an/an/an/a