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First Community Bank

Emporia, KS · Cert 4723

FDIC

Q2 2012

$46.0MAssets
$22.2MLoans
$41.7MDeposits
$4.2MEquity
Loan mix
74%RE $12.3M22%C&I $3.6M4%Consumer $0.7MQ2 2011Q2 2012
Deposit mix
83%Interest-bearing $34.7M17%Noninterest $7.0MQ2 2011Q2 2012

NIM

3.79%Q2 ’103.68%Q2 ’113.29%Q2 ’12+10%-4%

Non-interest income vs. expense

2.60%Q2 ’102.86%Q2 ’112.87%Q2 ’12+11%+0%

Executive Summary

  • Earnings: ROA of 0.31%, up 7 bps year over year; NIM at 2.86%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Funding: loans stand at 53.35% of deposits as of Q2 2012.

Financial Results

Return on Assets (YTD, annualized)

0.31%+7 bps YoY

Net Interest Margin (YTD, annualized)

2.86%-11 bps YoY

Efficiency Ratio (YTD, annualized)

86.36%+265 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.24%0.25%0.34%0.27%0.31%+7 bps
Return on Equity3.22%3.26%4.36%3.23%3.55%+33 bps
Net Interest Margin2.97%3.05%3.06%2.83%2.86%-11 bps
Efficiency Ratio83.72%83.57%82.15%87.80%86.36%+265 bps
Non-Interest Burden2.54%2.59%2.55%2.55%2.54%0 bps
Growth
Asset Growth (YoY)-16.65%-6.45%-10.78%-7.28%-4.89%+1,176 bps
Loan Growth (YoY)-10.37%-6.09%-14.47%-11.28%-17.44%-707 bps
Deposit Growth (YoY)-17.21%-6.52%-12.03%-8.37%-6.08%+1,113 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.45%0.32%0.43%0.00%0.01%-44 bps
Allowance / Loans3.03%3.32%3.33%3.34%3.57%+54 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 Capital15.45%16.36%17.51%17.90%19.59%+414 bps
Equity / Assets8.00%8.32%8.36%8.48%9.08%+107 bps
Liquidity & Funding
Loans / Deposits60.69%57.31%53.69%53.63%53.35%-734 bps
Liquid Assets / Assets18.03%14.88%14.06%12.09%16.88%-115 bps
CRE / Total Capitaln/an/an/an/an/an/an/a