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First Community Bank Silver Lake

Silver Lake, MN · Cert 8543

FDIC

Q4 2012

$25.9MAssets
$9.6MLoans
$22.6MDeposits
$2.6MEquity
Loan mix
91%RE $7.5M6%C&I $0.5M3%Consumer $0.3MQ1 2011Q4 2012
Deposit mix
92%Interest-bearing $20.7M8%Noninterest $1.9MQ1 2011Q4 2012

Executive Summary

  • Earnings: ROA of 1.72%, up 63 bps year over year; NIM at 2.72%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 42.34% of deposits as of Q4 2012.

Return on Assets (YTD, annualized)

1.72%+63 bps YoY

Net Interest Margin (YTD, annualized)

2.72%-35 bps YoY

Efficiency Ratio (YTD, annualized)

75.52%-692 bps YoY

Tier 1 Leverage Ratio

n/a
n/a

NIM

4.69%Q4 ’103.94%Q4 ’113.28%Q4 ’12-11%-11%

Non-interest income vs. expense

3.15%Q4 ’102.63%Q4 ’112.13%Q4 ’12-16%-19%

Year to date, annualized, through each quarter.

MetricQ1 2011Q2 2011Q3 2011Q4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets1.02%1.53%1.30%1.08%13.69%12.93%12.32%1.72%+63 bps
Return on Equity12.78%18.36%14.77%11.89%35.95%28.50%22.38%16.67%+478 bps
Net Interest Margin3.38%3.24%3.16%3.07%2.75%2.80%2.78%2.72%-35 bps
Efficiency Ratio73.08%71.67%78.35%82.44%71.11%69.55%70.17%75.52%-692 bps
Non-Interest Burden2.44%2.29%2.45%2.51%1.93%1.91%1.91%2.03%-48 bps
Growth
Asset Growth (YoY)-5.65%3.77%2.56%4.83%-1.91%0.78%0.39%3.98%-85 bps
Loan Growth (YoY)-12.73%-5.87%-1.88%-1.01%-1.67%-1.70%-1.38%1.98%+299 bps
Deposit Growth (YoY)-5.83%0.41%3.19%7.32%2.39%2.81%-0.11%1.71%-562 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 / Loans0.00%0.60%0.86%0.82%0.00%0.00%0.00%0.00%-82 bps
Allowance / Loans1.61%1.42%1.18%1.64%1.60%1.52%1.53%1.82%+18 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 Capital15.31%15.87%16.19%17.57%18.43%20.04%19.91%20.26%+268 bps
Equity / Assets7.77%8.98%10.14%10.44%10.08%10.27%10.63%10.14%-29 bps
Liquidity & Funding
Loans / Deposits45.84%47.25%47.34%42.23%44.02%45.18%46.75%42.34%+11 bps
Liquid Assets / Assets0.33%0.33%0.40%0.40%7.77%17.53%12.56%15.83%+1,543 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a