First Community Bank of Southwest Florida

First Community Bank of Southwest Florida is headquartered in Fort Myers and is the 77^th largest bank in the state of Florida. It is also the 2,248^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 57 employees at 8 locations. First Community Bank of Southwest Florida has a 1-star health rating.

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Data for Q1 2012

Institution Statistics First Community Bank of Southwest Florida FDIC Certificate # 34943 BankRate Report View Year Established 1999 Employees 57 Primary Regulator FDIC Assets and Liabilities Assets $290.43 million Loans $187.74 million Deposits $273.82 million Equity Capital $9.21 million Loan Loss Allowance $6.58 million Unbacked Noncurrent Loans $10.98 million Real Estate Owned $28.70 million Historic Data - March 2011 Assets $335.19 million Equity Capital $13.98 million Loan Loss Allowance $5.73 million Unbacked Noncurrent Loans $16.35 million Real Estate Owned $20.42 million Profit Margin - Quarterly Net Interest Margin 3.01% Return on Assets -1.18% Return on Equity -34.54% Interest Income $2.71 million

Institution Health Overall Score: 1 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 of Southwest Florida had $39.68 million in non-current loans and owned real-estate with $15.79 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank of Southwest Florida a Texas Ratio of 251.36% which is poor. 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 of Southwest Florida increased slightly from 186.53% as of March 31, 2011 to 251.36% as of March 31, 2012, resulting in a negative change of 34.76%. This indicates that the balance sheet and financial strength for First Community Bank of Southwest Florida has declined slightly in recent periods. Deposit Growth In the past year, First Community Bank of Southwest Florida has decreased its total deposits by -$16.64 million, resulting in -5.73% 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 of Southwest Florida 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 of Southwest Florida has $290.43 million in assets with $15.79 million in equity, resulting in a capitalization level of 5.44%, which is below average.

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