First Service Bank

First Service Bank is headquartered in Greenbrier and is the 47^th largest bank in the state of Arkansas. It is also the 2,811^st largest bank in the nation. It was established in 1962 and as of March of 2012, it had grown to 108 employees at 9 locations. First Service Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Service Bank FDIC Certificate # 18519 BankRate Report View Year Established 1962 Employees 108 Primary Regulator FDIC Assets and Liabilities Assets $226.96 million Loans $146.19 million Deposits $192.02 million Equity Capital $27.21 million Loan Loss Allowance $3.71 million Unbacked Noncurrent Loans $2.93 million Real Estate Owned $3.19 million Historic Data - March 2011 Assets $202.89 million Equity Capital $19.31 million Loan Loss Allowance $3.43 million Unbacked Noncurrent Loans $5.93 million Real Estate Owned $1.73 million Profit Margin - Quarterly Net Interest Margin 4.81% Return on Assets 0.53% Return on Equity 4.47% Interest Income $2.78 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 Service Bank had $6.12 million in non-current loans and owned real-estate with $30.92 million in equity and loan loss allowances on hand to cover it. This gives First Service Bank a Texas Ratio of 19.79% 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 Service Bank decreased slightly from 32.24% as of March 31, 2011 to 19.79% as of March 31, 2012, resulting in a positive change of 38.61%.This indicates that the balance sheet and financial strength for First Service Bank has improved slightly in recent periods. Deposit Growth In the past year, First Service Bank has increased its total deposits by $16.22 million, resulting in 9.22% 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 Service 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 Service Bank has $226.96 million in assets with $30.92 million in equity, resulting in a capitalization level of 13.62%, which is excellent.

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