PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Community Bank, N.A.

Houston, TX · Cert 34049

FDIC

Q2 2005

$564.4MAssets
$404.7MLoans
$447.6MDeposits
$55.8MEquity
Loan mix
35%RE $29.3M64%C&I $53.4M0%Consumer $0.3MQ3 2003Q2 2005
Deposit mix
71%Interest-bearing $316.7M29%Noninterest $130.8MQ3 2003Q2 2005

Executive Summary

  • Earnings: ROA of 0.50%, down 3 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 0.31%.
  • Funding: loans stand at 90.41% of deposits as of Q2 2005.

Return on Assets (quarter, annualized)

0.50%-3 bps YoY

Net Interest Margin (quarter, annualized)

3.88%-37 bps YoY

Efficiency Ratio (quarter, annualized)

76.19%-336 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

5.47%Q2 ’035.49%Q2 ’045.66%Q2 ’05+4%-9%

Non-interest income vs. expense

4.11%Q2 ’034.29%Q2 ’043.67%Q2 ’05+6%-13%

Discrete quarter, annualized.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004Q4 2004Q1 2005Q2 2005YoY ΔTrend
Earnings
Return on Assets0.50%0.55%0.44%0.53%0.63%0.40%0.77%0.50%-3 bps
Return on Equity5.25%6.06%4.65%5.56%6.73%4.31%8.25%5.17%-40 bps
Net Interest Margin3.86%4.00%4.03%4.25%4.19%4.04%3.83%3.88%-37 bps
Efficiency Ratio77.31%77.08%79.90%79.54%75.74%78.79%71.32%76.19%-336 bps
Non-Interest Burden2.85%2.95%3.12%3.29%3.03%3.10%2.51%2.85%-43 bps
Growth
Asset Growth (YoY)38.26%41.92%11.78%23.92%24.94%21.70%18.88%3.84%-2,008 bps
Loan Growth (YoY)29.92%29.53%16.94%41.67%43.45%39.94%31.09%9.01%-3,265 bps
Deposit Growth (YoY)31.08%43.40%10.03%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.54%0.49%0.32%0.35%0.35%0.71%0.45%0.31%-4 bps
Allowance / Loans1.07%1.02%1.03%0.99%0.96%0.93%0.96%1.03%+4 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 Capital12.08%11.60%11.99%10.23%10.01%9.80%10.25%10.64%+41 bps
Equity / Assets9.32%8.96%9.78%9.23%9.46%9.20%9.52%9.89%+66 bps
Liquidity & Funding
Loans / Deposits75.71%75.52%78.87%85.81%87.64%88.11%93.28%90.41%+461 bps
Liquid Assets / Assets0.66%1.77%0.04%0.08%0.01%0.57%0.59%0.77%+69 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a