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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

3.75%Q2 ’103.67%Q2 ’113.23%Q2 ’12+10%-7%

Non-interest income vs. expense

2.60%Q2 ’102.83%Q2 ’112.80%Q2 ’12+10%0%

Executive Summary

  • Earnings: ROA of 0.34%, up 12 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.02%.
  • Funding: loans stand at 53.35% of deposits as of Q2 2012.

Financial Results

Return on Assets (quarter, annualized)

0.34%+12 bps YoY

Net Interest Margin (quarter, annualized)

2.83%-21 bps YoY

Efficiency Ratio (quarter, annualized)

84.91%+467 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ2 2011Q3 2011Q4 2011Q1 2012Q2 2012YoY ΔTrend
Earnings
Return on Assets0.21%0.27%0.63%0.27%0.34%+12 bps
Return on Equity2.79%3.35%7.54%3.23%3.86%+107 bps
Net Interest Margin3.04%3.06%2.94%2.83%2.83%-21 bps
Efficiency Ratio80.24%83.29%77.88%87.80%84.91%+467 bps
Non-Interest Burden2.47%2.59%2.28%2.55%2.46%-1 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 / Loans0.00%0.00%0.72%0.00%0.02%+2 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