First Community Bank of the Ozarks

First Community Bank of the Ozarks is headquartered in Branson and is the 191^st largest bank in the state of Missouri. It is also the 4,899^th largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 31 employees at 4 locations. First Community Bank of the Ozarks has a 3-star health rating.

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Data for Q1 2012

Institution Statistics First Community Bank of the Ozarks FDIC Certificate # 33832 BankRate Report View Year Established 1993 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $101.96 million Loans $56.40 million Deposits $86.87 million Equity Capital $9.10 million Loan Loss Allowance $12,000 Unbacked Noncurrent Loans $1.76 million Real Estate Owned $1.48 million Historic Data - March 2011 Assets $104.36 million Equity Capital $5.85 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $1.70 million Real Estate Owned $1.83 million Profit Margin - Quarterly Net Interest Margin 2.08% Return on Assets 2.47% Return on Equity 35.95% Interest Income $567,000

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 March 31, 2012 First Community Bank of the Ozarks had $3.24 million in non-current loans and owned real-estate with $9.11 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank of the Ozarks a Texas Ratio of 35.54% 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 of the Ozarks decreased slightly from 48.05% as of March 31, 2011 to 35.54% as of March 31, 2012, resulting in a positive change of 26.03%.This indicates that the balance sheet and financial strength for First Community Bank of the Ozarks has improved slightly in recent periods. Deposit Growth In the past year, First Community Bank of the Ozarks has decreased its total deposits by -$1.51 million, resulting in -1.71% 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 the Ozarks has shown is below 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 of the Ozarks has $101.96 million in assets with $9.11 million in equity, resulting in a capitalization level of 8.94%, which is average.

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