First Community Bank (AL)

First Community Bank (AL) is headquartered in Chatom and is the 29^th largest bank in the state of Alabama. It is also the 2,006^th largest bank in the nation. It was established in 1909 and as of September of 2011, it had grown to 96 employees at 10 locations. First Community Bank (AL) has a 4-star health rating.

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Data for Q3 2011

Institution Statistics First Community Bank FDIC Certificate # 14720 BankRate Report View Year Established 1909 Employees 96 Primary Regulator FDIC Assets and Liabilities Assets $324.74 million Loans $217.27 million Deposits $282.59 million Equity Capital $30.30 million Loan Loss Allowance $2.76 million Unbacked Noncurrent Loans $4.97 million Real Estate Owned $4.62 million Historic Data - September 2010 Assets $315.39 million Equity Capital $30.61 million Loan Loss Allowance $3.16 million Unbacked Noncurrent Loans $2.70 million Real Estate Owned $5.61 million Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets -0.49% Return on Equity -5.27% Interest Income $12.07 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of September 30, 2011 First Community Bank (AL) had $9.58 million in non-current loans and owned real-estate with $33.06 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank (AL) a Texas Ratio of 28.97% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Community Bank (AL) held steady from 24.62% as of September 30, 2010 to 28.97% as of September 30, 2011, resulting in a negative change of 17.71%. This indicates that the balance sheet and financial strength for First Community Bank (AL) has held steady in recent periods. Deposit Growth In the past year, First Community Bank (AL) has increased its total deposits by $9.89 million, resulting in 3.63% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Community Bank (AL) has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Community Bank (AL) has $324.74 million in assets with $33.06 million in equity, resulting in a capitalization level of 10.18%, which is above average.

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