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Failed Bank History Report
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This institution did not file a CALL/TFR in the most recent FFIEC reporting cycle.
The most recent data available in our database is shown.

First Community Bank, member of holding company FIRST STATE BANCORPORATION
as of December-2010
120 WEST PLAZA TAOS, NM, 87571
Data Source: TBS Bank Monitor.  Data in thousands unless otherwise noted.  Copyright 2016 Total Bank Solutions LLC All Rights Reserved
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Counterparty Quality Score (CQS) Report



IRA Counterparty Quality Analysis
Historial CQS Scores
  - IRA Bank Stress Index (BSI) Factor
  - Asset Quality Trouble Factor
  - FDIC Moral Hazard Factor
December
2010


3
24.2
20.4
12.1

September
2010


3
24.0
20.1
11.5

June
2010


3
23.8
16.2
13.6

March
2010


4
22.5
14.4
17.4

December
2009


3
22.5
17.8
18.1

September
2009


4
22.3
14.1
17.3

June
2009


4
21.6
11.1
16.7

March
2009


4
21.7
6.6
14.1

December
2008


4
20.9
6.8
14.5

September
2008


5
20.8
4.6
15.0

June
2008


5
20.7
3.8
10.4

March
2008


8
1.1
3.0
7.3

IRA Counterparty Quality Scores range from 8 (best) to 1 (worst).
Historical Performance Table



IRA Bank Stress Benchmarks
Grade
Stress Index Number
ROA, %
ROE, %
Efficiency Ratio
Goodwill Writedowns

Capital Adequacy Position
IRA Capital Test
T1/RWA
RBC/RWA
T1/ASSET
Risk Based Capital, Total
Tier 1 RBC
Risk Weighted Assets, Total

Basel II Benchmarks
Bond Equivalent Defaults, Method 1
B.E.D., Method 2
Default Rate, bp
LGD: Loss Given Default, %
M: Wt. Avg. Maturity, yr
EAD: Exposure At Default, %

Economic Capital Analysis
EC
RAROC, %
Tier 1 RBC
T1RBC to EC Leverage
Bank Tangible Common Equity
Percent of Tangible Assets (TCE Ratio)
TCE to EC Leverage

Regulatory Watch Points
Net Income, Period
Total Assets
Average Assets - Capital
Lending Assets
Trading Assets
Other Assets (incl. Prepaid Assessments)

Securities Assets

Net Interest Income, YTD
Earning Assets, Total
Net Interest Margin, Current Qtr - Annualized
NIMY, from FDIC 5YR METHOD

Total Deposits
Brokered Deposits
Reciprocal Brokered Deposits
Volatile Liabilities, per FDIC
FHLB Advances

FHLB Advances-to-Assets, percent
Brokered to Total Deposits, percent
FHLB+BRO+VOLIAB to Assets, percent

Gross Defaults, Actual
Provision for Loan Losses, Income Statement
Actual-to-Provision Ratio
Balance Sheet Allowances for Loan Losses

Gross Defaults, Total
30-89 Day Assets, Total
  Guaranteed Portion of 30-89
Over 90 Assets, Total
  Guaranteed Portion of Over 90
Non-Accrual Assets, Total
  Guaranteed Portion of NA
Real Estate Owned (REO)
Total Troubled Assets
Troubled Assets % of Total Assets
   % factored for less 80% GTY Offsets
Non-Conforming Assets, Reported

Texas Ratio

Off Balance Sheet Derivatives, Notional
Loss Realization Margin to RBC, bp

December
2010


F
24.2
-0.0052
-0.33
120.5%
0

Under Cap
Fail
1.8%
3.1%
1.2%
$46,564
$26,685
$1,495,857


B
CCC
782.1
97.20
3.64
6.9


$620,673
-18.56%
$26,685
0.1:1
$204,145
9.48%
0.33:1


$-114
$2,188,154
$2,249,861
$1,537,566
$0
$51,945

$386,448

$70,099
$2,024,778
3.46%
2.98%

$1,847,851
$32,645
$2,645
$862,022
$264,347

12.08%
1.77%
52.97%

$120,255
$101,700
1.18:1
$113,706

$120,255
$20,937
$10
$67
$0
$264,238
$1,974
$41,941
$447,438
20.45%
20.38%
$264,305

0.85

$10,098
46,112

September
2010


F
24.0
-0.0057
-0.25
119.0%
0

Under Cap
Fail
2.7%
4.0%
1.7%
$64,105
$42,881
$1,599,070


B
CCC
855.0
97.88
3.49
7.0


$664,226
-14.84%
$42,881
0.1:1
$187,387
8.23%
0.28:1


$-98
$2,312,598
$2,477,617
$1,633,720
$0
$54,956

$416,958

$54,644
$2,116,271
3.44%
3.00%

$1,944,129
$35,585
$5,585
$900,048
$265,037

11.46%
1.83%
51.92%

$104,766
$93,400
1.12:1
$119,330

$104,766
$41,936
$210
$102
$0
$259,180
$2,057
$58,455
$464,439
20.08%
20.00%
$259,282

0.87

$19,319
33,182

June
2010


F
23.8
-0.0057
-0.19
116.6%
0

Under Cap
Fail
3.8%
5.1%
2.4%
$88,098
$65,358
$1,718,556


B
CCC
867.0
98.23
3.60
6.7


$893,906
-8.05%
$65,358
0.2:1
$194,839
7.53%
0.22:1


$-75
$2,624,251
$2,727,507
$1,762,361
$0
$56,257

$648,300

$36,474
$2,428,416
3.00%
2.88%

$2,133,920
$92,652
$15,625
$948,847
$355,716

13.55%
4.34%
53.24%

$76,397
$69,200
1.10:1
$122,566

$76,397
$30,257
$194
$0
$0
$268,841
$1,853
$50,769
$426,264
16.24%
16.18%
$268,841

0.87

$22,912
38,451

March
2010


F
22.5
-0.0020
-0.04
103.4%
0

Adequate
Warn
6.7%
8.0%
4.5%
$150,204
$125,623
$1,870,821


B
CCC
538.0
98.76
3.47
7.7


$887,746
-2.66%
$125,623
0.5:1
$192,928
6.84%
0.22:1


$-14
$2,859,160
$2,810,149
$1,897,944
$0
$57,749

$616,891

$17,976
$2,658,357
2.70%
2.77%

$2,176,016
$158,444
$23,401
$1,038,592
$496,386

17.36%
7.28%
59.23%

$25,527
$16,200
1.58:1
$119,645

$25,527
$47,488
$276
$247
$0
$285,984
$1,477
$52,471
$411,717
14.40%
14.35%
$286,231

0.93

$19,447
77,238

December
2009


F
22.5
-0.0039
-0.07
77.9%
0

Adequate
Warn
7.0%
8.3%
4.9%
$166,629
$140,267
$2,006,121


B
CCC
571.2
98.12
3.53
8.3


$830,801
-12.85%
$140,267
0.5:1
$198,649
7.36%
0.24:1


$-107
$2,740,524
$2,836,799
$2,017,689
$0
$86,647

$532,035

$90,909
$2,526,526
3.60%
3.16%

$2,034,881
$201,718
$56,741
$805,429
$497,046

18.14%
9.91%
54.89%

$115,255
$162,600
0.71:1
$128,280

$115,255
$68,276
$123
$0
$0
$257,689
$1,457
$46,503
$487,723
17.80%
17.75%
$257,689

0.81

$19,383
85,967

September
2009


F
22.3
-0.0037
-0.06
70.6%
0

Adequate
Warn
7.9%
9.2%
5.8%
$196,650
$168,874
$2,135,288


B
CCC
524.1
98.14
3.29
9.8


$806,787
-9.38%
$168,874
0.6:1
$202,827
7.14%
0.25:1


$-79
$2,883,693
$2,936,859
$2,125,792
$0
$67,492

$555,781

$71,947
$2,682,185
3.58%
3.24%

$2,152,196
$276,075
$97,573
$718,052
$497,697

17.26%
12.83%
51.73%

$83,560
$116,900
0.71:1
$113,765

$83,560
$52,328
$107
$0
$0
$228,621
$1,686
$42,086
$406,595
14.10%
14.05%
$228,621

0.75

$21,649
90,836

June
2009


F
21.6
-0.0019
-0.02
61.3%
0

Well Cap
Pass
9.5%
10.8%
6.3%
$251,522
$221,340
$2,335,664


B
B
324.9
95.96
3.18
8.5


$793,182
-3.33%
$221,340
1.1:1
$221,038
7.50%
0.28:1


$-28
$2,989,027
$3,516,722
$2,245,904
$0
$105,420

$454,091

$52,963
$2,754,060
3.85%
3.47%

$2,198,350
$291,926
$113,209
$710,123
$498,339

16.67%
13.28%
50.20%

$36,487
$64,400
0.57:1
$108,729

$36,487
$59,560
$2
$0
$0
$211,303
$0
$23,654
$331,004
11.07%
11.07%
$211,303

0.66

$30,521
82,409

March
2009


F
21.7
-0.0026
-0.04
76.6%
0

Adequate
Warn
7.7%
9.0%
6.5%
$257,046
$220,747
$2,848,972


B
B
336.9
95.42
3.12
11.8


$883,547
-1.71%
$220,747
1.0:1
$217,961
6.28%
0.25:1


$-23
$3,546,608
$3,405,524
$2,704,048
$0
$117,161

$475,665

$27,269
$3,270,515
3.34%
3.41%

$2,727,557
$447,215
$0
$918,319
$498,971

14.07%
16.40%
52.57%

$22,772
$33,300
0.68:1
$90,646

$22,772
$30,144
$252
$2
$0
$163,585
$264
$17,754
$234,257
6.61%
6.59%
$163,587

0.56

$76,345
33,669

December
2008


F
20.9
-0.0035
-0.04
68.6%
126,353

Well Cap
Pass
9.1%
10.3%
7.8%
$308,220
$270,394
$2,984,212


BB
BB
92.9
92.32
2.96
14.7


$862,905
2.54%
$270,394
2.6:1
$249,289
7.41%
0.29:1


$-120
$3,440,854
$3,453,526
$2,754,589
$0
$148,006

$456,671

$129,328
$3,133,866
4.13%
4.17%

$2,524,515
$400,532
$0
$1,182,081
$497,594

14.46%
15.87%
60.46%

$25,587
$71,618
0.36:1
$79,083

$25,587
$71,561
$63
$4,139
$0
$114,274
$136
$18,894
$234,455
6.81%
6.81%
$118,413

0.40

$53,448
57,667

September
2008


F
20.8
-0.0043
-0.05
67.5%
126,353

Well Cap
Pass
9.2%
10.5%
8.0%
$315,733
$277,591
$3,021,095


BB
BBB
63.2
88.37
2.82
18.3


$848,862
2.85%
$277,591
3.0:1
$252,567
7.46%
0.30:1


$-112
$3,465,496
$3,462,338
$2,761,137
$0
$143,198

$463,511

$97,927
$3,159,950
4.13%
4.22%

$2,498,421
$217,533
$0
$1,112,958
$518,309

14.96%
8.71%
53.35%

$13,096
$48,235
0.27:1
$67,728

$13,096
$27,412
$25
$1,988
$0
$99,651
$153
$15,929
$158,076
4.56%
4.56%
$101,639

0.35

$36,072
87,529

June
2008


F
20.7
-0.0064
-0.08
68.2%
126,353

Well Cap
Pass
9.1%
10.3%
7.9%
$312,844
$274,706
$3,030,184


BBB
BBB
46.3
84.24
2.74
20.7


$834,277
2.19%
$274,706
3.2:1
$250,637
7.41%
0.30:1


$-111
$3,461,555
$3,488,044
$2,729,677
$0
$132,508

$477,988

$65,169
$3,154,330
4.13%
4.24%

$2,651,230
$82,942
$0
$1,065,061
$359,714

10.39%
3.13%
43.56%

$6,326
$32,600
0.19:1
$58,320

$6,326
$33,888
$122
$1
$0
$74,109
$236
$15,610
$129,934
3.75%
3.75%
$74,110

0.28

$42,151
74,220

March
2008


A
1.1
0.5639
4.79
68.5%
0

Well Cap
Pass
9.4%
10.6%
8.4%
$308,913
$274,417
$2,910,823


BBB
A
27.8
61.52
2.33
21.6


$793,564
1.32%
$274,417
3.1:1
$246,636
7.60%
0.31:1


$4,872
$3,455,652
$3,277,474
$2,610,192
$0
$94,180

$473,761

$32,820
$3,056,170
4.30%
4.33%

$2,584,334
$114,346
$0
$1,140,069
$251,412

7.28%
4.42%
43.58%

$1,814
$3,900
0.47:1
$33,898

$1,814
$33,676
$118
$553
$0
$49,891
$159
$16,551
$102,485
2.97%
2.96%
$50,444

0.23

$50,462
61,217

All CALL/TFR's file to identical calendars ending Dec-31. Quarterly values reported are cumulative thru the reporting year. Dollar data in thousands unless otherwise noted. Selected rates pre-computed by FDIC are factored according to criteria from the regulatory agency to derive annualized rates. Peering groups are dynamically generated each quarter based the bank unit being examined. See the quarterly for peer listings.
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