First Community Bank, Missouri

First Community Bank, Missouri is headquartered in Poplar Bluff and is the 88^th largest bank in the state of Missouri. It is also the 2,435^th largest bank in the nation. It was established in 1944 and as of March of 2012, it had grown to 97 employees at 6 locations. First Community Bank, Missouri has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Community Bank, Missouri FDIC Certificate # 16207 BankRate Report View Year Established 1944 Employees 97 Primary Regulator FDIC Assets and Liabilities Assets $265.05 million Loans $136.38 million Deposits $240.27 million Equity Capital $22.58 million Loan Loss Allowance $1.62 million Real Estate Owned $1.96 million Historic Data - March 2011 Assets $246.08 million Equity Capital $20.31 million Loan Loss Allowance $1.60 million Unbacked Noncurrent Loans $1.43 million Real Estate Owned $1.70 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 0.73% Return on Equity 8.65% Interest Income $2.55 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 March 31, 2012 First Community Bank, Missouri had $1.96 million in non-current loans and owned real-estate with $24.2 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank, Missouri a Texas Ratio of 8.11% which is above 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, Missouri decreased significantly from 14.28% as of March 31, 2011 to 8.11% as of March 31, 2012, resulting in a positive change of 43.21%.This indicates that the balance sheet and financial strength for First Community Bank, Missouri has improved significantly in recent periods. Deposit Growth In the past year, First Community Bank, Missouri has increased its total deposits by $16.93 million, resulting in 7.58% 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, Missouri has shown is excellent. 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, Missouri has $265.05 million in assets with $24.2 million in equity, resulting in a capitalization level of 9.13%, which is average.

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