First Community Bank of Eastern Arkansas

First Community Bank of Eastern Arkansas is headquartered in Marion and is the 88^th largest bank in the state of Arkansas. It is also the 4,417^st largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 34 employees at 2 locations. First Community Bank of Eastern Arkansas' savings rates are 4X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Community Bank of Eastern Arkansas FDIC Certificate # 34887 BankRate Report View Year Established 1998 Employees 34 Primary Regulator FED Assets and Liabilities Assets $121.96 million Loans $81.93 million Deposits $107.66 million Equity Capital $13.82 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.01 million Real Estate Owned $1.78 million Historic Data - March 2011 Assets $97.64 million Equity Capital $12.74 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $2.54 million Real Estate Owned $750,000 Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 1.02% Return on Equity 8.89% Interest Income $1.32 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 Community Bank of Eastern Arkansas had $2.79 million in non-current loans and owned real-estate with $14.99 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank of Eastern Arkansas a Texas Ratio of 18.61% which is 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 Eastern Arkansas decreased slightly from 23.65% as of March 31, 2011 to 18.61% as of March 31, 2012, resulting in a positive change of 21.32%.This indicates that the balance sheet and financial strength for First Community Bank of Eastern Arkansas has improved slightly in recent periods. Deposit Growth In the past year, First Community Bank of Eastern Arkansas has increased its total deposits by $23.22 million, resulting in 27.5% 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 Eastern Arkansas 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 Community Bank of Eastern Arkansas has $121.96 million in assets with $14.99 million in equity, resulting in a capitalization level of 12.29%, which is excellent.

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