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First Community Bank

Hammond, LA · Cert 35090

FDIC

Q1 2013

$105.6MAssets
$77.8MLoans
$84.4MDeposits
$12.3MEquity
Loan mix
91%RE $53.5M7%C&I $3.9M2%Consumer $1.1MQ1 2012Q1 2013
Deposit mix
86%Interest-bearing $72.6M14%Noninterest $11.7MQ1 2012Q1 2013

NIM

5.29%Q1 ’115.13%Q1 ’124.87%Q1 ’13+3%-1%

Non-interest income vs. expense

3.36%Q1 ’113.46%Q1 ’124.49%Q1 ’13+31%0%

Executive Summary

  • Earnings: ROA of -0.34%, down 34 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.30%.
  • Funding: loans stand at 92.20% of deposits as of Q1 2013.

Financial Results

Return on Assets (YTD, annualized)

-0.34%-34 bps YoY

Net Interest Margin (YTD, annualized)

4.13%-3 bps YoY

Efficiency Ratio (YTD, annualized)

98.93%+102 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013YoY ΔTrend
Earnings
Return on Assets0.00%10.07%0.16%-0.15%-0.34%-34 bps
Return on Equity0.03%0.66%1.45%-1.29%-2.87%-290 bps
Net Interest Margin4.16%4.17%4.28%4.37%4.13%-3 bps
Efficiency Ratio97.91%91.45%90.28%93.27%98.93%+102 bps
Non-Interest Burden4.09%3.83%3.87%4.10%4.08%0 bps
Growth
Asset Growth (YoY)-2.82%-3.71%-3.76%-7.09%-7.98%-515 bps
Loan Growth (YoY)4.86%0.96%-7.29%-6.20%-10.34%-1,520 bps
Deposit Growth (YoY)-3.46%-4.57%-4.68%-6.79%-9.05%-559 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.49%0.50%0.35%0.99%0.30%-20 bps
Allowance / Loans1.44%1.56%1.62%1.37%1.47%+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 Capital16.46%17.47%18.06%17.72%17.43%+97 bps
Equity / Assets10.96%11.50%11.64%11.79%11.66%+70 bps
Liquidity & Funding
Loans / Deposits93.54%91.00%89.13%93.21%92.20%-133 bps
Liquid Assets / Assets5.18%2.88%7.10%3.61%5.30%+12 bps
CRE / Total Capitaln/an/an/an/an/an/an/a