First Community Bank N.A.

First Community Bank N.A. is headquartered in Sugar Land and is the 75^th largest bank in the state of Texas. It is also the 1,070^th largest bank in the nation. It was established in 1985 and as of September of 2011, it had grown to 229 employees at 33 locations. First Community Bank N.A. has a 3-star health rating.

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Data for Q3 2011

Institution Statistics First Community Bank, National Association FDIC Certificate # 26435 BankRate Report View Year Established 1985 Employees 229 Primary Regulator OCC Assets and Liabilities Assets $620.05 million Loans $400.83 million Deposits $540.51 million Equity Capital $75.13 million Loan Loss Allowance $8.18 million Unbacked Noncurrent Loans $14.10 million Real Estate Owned $12.06 million Historic Data - September 2010 Assets $710.62 million Equity Capital $80.49 million Loan Loss Allowance $12.09 million Unbacked Noncurrent Loans $42.34 million Real Estate Owned $17.42 million Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets -3.17% Return on Equity -26.48% Interest Income $19.20 million

Institution Health Overall Score: 3 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 N.A. had $26.16 million in non-current loans and owned real-estate with $83.31 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank N.A. a Texas Ratio of 31.40% which is below 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 N.A. decreased significantly from 64.73% as of September 30, 2010 to 31.40% as of September 30, 2011, resulting in a positive change of 51.49%.This indicates that the balance sheet and financial strength for First Community Bank N.A. has improved significantly in recent periods. Deposit Growth In the past year, First Community Bank N.A. has decreased its total deposits by -$83.5 million, resulting in -13.38% 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 N.A. has shown is poor. 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 N.A. has $620.04 million in assets with $83.31 million in equity, resulting in a capitalization level of 13.44%, which is excellent.

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