First State Community Bank

First State Community Bank is headquartered in Farmington and is the 15^st largest bank in the state of Missouri. It is also the 511^st largest bank in the nation. It was established in 1954 and as of March of 2012, it had grown to 376 employees at 34 locations. First State Community Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics First State Community Bank FDIC Certificate # 17323 BankRate Report View Year Established 1954 Employees 376 Primary Regulator FDIC Assets and Liabilities Assets $1.31 billion Loans $932.51 million Deposits $1.10 billion Equity Capital $139.06 million Loan Loss Allowance $12.29 million Unbacked Noncurrent Loans $9.32 million Real Estate Owned $6.13 million Historic Data - March 2011 Assets $1.25 billion Equity Capital $130.02 million Loan Loss Allowance $10.34 million Unbacked Noncurrent Loans $6.81 million Real Estate Owned $3.55 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 1.24% Return on Equity 11.7% Interest Income $14.14 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 State Community Bank had $15.44 million in non-current loans and owned real-estate with $151.35 million in equity and loan loss allowances on hand to cover it. This gives First State Community Bank a Texas Ratio of 10.20% 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 State Community Bank held steady from 7.38% as of March 31, 2011 to 10.20% as of March 31, 2012, resulting in a negative change of 38.18%. This indicates that the balance sheet and financial strength for First State Community Bank has held steady in recent periods. Deposit Growth In the past year, First State Community Bank has increased its total deposits by $52.62 million, resulting in 5.01% 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 State Community Bank 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 State Community Bank has $1.31 billion in assets with $151.35 million in equity, resulting in a capitalization level of 11.54%, which is above average.

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