First Community National Bank

First Community National Bank is headquartered in Cuba and is the 96^th largest bank in the state of Missouri. It is also the 2,853^rd largest bank in the nation. It was established in 1906 and as of December of 2012, it had grown to 80 employees at 7 locations. First Community National Bank has a 4-star health rating.

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Data for Q4 2012

Institution Statistics First Community National Bank FDIC Certificate # 1639 BankRate Report View Year Established 1906 Employees 80 Primary Regulator OCC Assets and Liabilities Assets $221.89 million Loans $141.82 million Deposits $175.93 million Equity Capital $18.92 million Loan Loss Allowance $3.28 million Unbacked Noncurrent Loans $889,000 Real Estate Owned $1.06 million Historic Data - December 2011 Assets $222.03 million Equity Capital $18.63 million Loan Loss Allowance $3.82 million Unbacked Noncurrent Loans $2.71 million Real Estate Owned $905,000 Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 1.08% Return on Equity 12.78% Interest Income $10.31 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 December 31, 2012 First Community National Bank had $1.95 million in non-current loans and owned real-estate with $22.2 million in equity and loan loss allowances on hand to cover it. This gives First Community National Bank a Texas Ratio of 8.79% 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 National Bank decreased significantly from 16.12% as of December 31, 2011 to 8.79% as of December 31, 2012, resulting in a positive change of 45.47%.This indicates that the balance sheet and financial strength for First Community National Bank has improved significantly in recent periods. Deposit Growth In the past year, First Community National Bank has increased its total deposits by $6,000, resulting in 0% 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 National Bank has shown is 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 National Bank has $221.89 million in assets with $22.2 million in equity, resulting in a capitalization level of 10.00%, which is above average.

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