First Community Bank Financial Statements & Health Reports

Acquired Oct 2007

Vitals

ROAA

ROAE

Efficiency Ratio

102.766

Net Interest Margin

Balance Sheet Highlights

Financial Highlights	First Community Bank	All Insured Commercial Banks in Vermont
Balance Sheet $(000)
Total Assets	72,800	550,366
Total Net Loans	61,721	395,761
Total Deposits	60,745	465,002
Total Equity	8,112	46,484
Profitability
Net Income	—	5,396
Return on Average Assets	—	.901
Return on Average Equity	—	9.909
Net Interest Margin	3.857	4.438
Efficiency Ratio	102.766	76.124
Noninterest Income/Revenue	8.662	16.844
Balance Sheet Ratios
Loan-to-Deposit	101.607	88.093
Securities/Assets	.049	.2
Total Equity/Total Assets	.111	.084
Tangible Equity/Tangible Assets	.111	.066
Capital Adequacy
Tier 1 Common Capital	—	—
Tier 1 Capital	8,149	46,546
Tier 2 Capital	724	4,682
Total Capital	8,873	51,228
Total Risk Weighted Assets	63,128	406,113
Leverage Ratio	10.88	9.695
Common Equity Tier 1 Capital Ratio	—	—
Tier 1 Capital Ratio	12.91	13.713
Total Capital Ratio	14.06	14.848

First Community Bank was acquired by Lake Sunapee Bank, Fsb 16 years

View Profile Oct 02 2007

First Community Bank was established 34 years ago and is currently headquartered in Woodstock, VT.

Nov 14 1989

Acquisitions & Mergers	Role	Assets	Acct Method	Type	Transaction Date
Lake Sunapee Bank, Fsb	Buyer	1,583,444		Discontinued	10/2/2007

Relationships	Role	Relationship Start	Relationship End

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