PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Community Bank, N.A.

Houston, TX · Cert 34049

FDIC

Q2 2005

$564.4MAssets
$404.7MLoans
$447.6MDeposits
$55.8MEquity
Deposit mix
71%Interest-bearing $316.7M29%Noninterest $130.8MQ2 2004Q2 2005

NIM

5.40%Q2 ’034.99%Q2 ’045.54%Q2 ’05-3%+1%

Non-interest income vs. expense

3.75%Q2 ’033.87%Q2 ’043.65%Q2 ’05+8%-10%

Executive Summary

  • Earnings: ROA of 0.64%, up 16 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 0.38%.
  • Funding: loans stand at 90.41% of deposits as of Q2 2005.

Financial Results

Return on Assets (YTD, annualized)

0.64%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.88%+2 bps YoY

Efficiency Ratio (YTD, annualized)

73.68%-602 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.48%0.54%0.50%0.77%0.64%+16 bps
Return on Equity5.14%5.72%5.38%8.25%6.69%+155 bps
Net Interest Margin3.86%3.95%3.89%3.83%3.88%+2 bps
Efficiency Ratio79.70%78.29%78.42%71.32%73.68%-602 bps
Non-Interest Burden2.99%2.99%2.95%2.51%2.70%-29 bps
Growth
Asset Growth (YoY)23.92%24.94%21.70%18.88%3.84%-2,008 bps
Loan Growth (YoY)41.67%43.45%39.94%31.09%9.01%-3,265 bps
Deposit Growth (YoY)21.76%23.92%19.94%10.83%3.46%-1,831 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.31%0.31%0.40%0.45%0.38%+7 bps
Allowance / Loans0.99%0.96%0.93%0.96%1.03%+4 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 Capital10.23%10.01%9.80%10.25%10.64%+41 bps
Equity / Assets9.23%9.46%9.20%9.52%9.89%+66 bps
Liquidity & Funding
Loans / Deposits85.81%87.64%88.11%93.28%90.41%+461 bps
Liquid Assets / Assets0.08%0.01%0.57%0.59%0.77%+69 bps
CRE / Total Capitaln/an/an/an/an/an/an/a