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First Community Bank

Kansas City, KS · Cert 33965

FDIC

Q4 2006

$224.8MAssets
$187.8MLoans
$187.4MDeposits
$21.1MEquity
Loan mix
23%RE $17.1M77%C&I $55.9M0%Consumer $0.1MQ1 2005Q4 2006
Deposit mix
84%Interest-bearing $157.7M16%Noninterest $29.7MQ1 2005Q4 2006

Executive Summary

  • Earnings: ROA of 1.50%, up 15 bps year over year; NIM at 4.59%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 100.20% of deposits as of Q4 2006.

Return on Assets (YTD, annualized)

1.50%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.59%+59 bps YoY

Efficiency Ratio (YTD, annualized)

51.26%+135 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.56%Q4 ’046.22%Q4 ’057.74%Q4 ’06+4%+15%

Non-interest income vs. expense

2.14%Q4 ’042.12%Q4 ’052.48%Q4 ’06+3%+19%

Year to date, annualized, through each quarter.

MetricQ1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006Q3 2006Q4 2006YoY ΔTrend
Earnings
Return on Assets1.33%1.33%1.36%1.35%1.41%1.50%1.47%1.50%+15 bps
Return on Equity14.58%14.94%15.30%15.31%16.28%17.13%16.43%16.61%+130 bps
Net Interest Margin4.09%4.08%3.92%4.00%4.32%4.46%4.59%4.59%+59 bps
Efficiency Ratio49.64%48.44%48.45%49.92%49.63%49.23%51.78%51.26%+135 bps
Non-Interest Burden1.89%1.84%1.77%1.87%2.03%2.06%2.25%2.22%+36 bps
Growth
Asset Growth (YoY)1.33%9.52%14.60%13.68%14.22%3.83%2.32%2.69%-1,099 bps
Loan Growth (YoY)5.82%6.44%11.39%7.91%10.64%2.94%4.79%4.51%-340 bps
Deposit Growth (YoY)-3.19%12.34%14.72%14.61%14.75%-1.03%-1.41%-0.23%-1,484 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.05%0.03%0.04%0.04%0.01%0.00%0.00%0.02%-2 bps
Allowance / Loans1.11%1.10%1.12%1.11%1.09%1.12%1.09%1.09%-2 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capital11.07%10.54%10.74%10.75%10.56%10.89%11.15%11.50%+75 bps
Equity / Assets9.27%8.57%8.71%8.50%8.80%9.00%9.39%9.37%+86 bps
Liquidity & Funding
Loans / Deposits107.49%99.03%99.29%95.66%103.65%103.02%105.54%100.20%+454 bps
Liquid Assets / Assets0.00%0.00%0.05%0.05%0.05%0.05%0.05%0.04%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a