Forrest City Bank, National Association

Forrest City Bank, National Association is headquartered in Forrest City and is the 116^st largest bank in the state of Arkansas. It is also the 6,332^nd largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 17 employees at 2 locations. Forrest City Bank, National Association has a 3-star health rating.

Data for Q1 2012

Institution Statistics Forrest City Bank, National Association FDIC Certificate # 28812 BankRate Report View Year Established 1919 Employees 17 Primary Regulator OCC Assets and Liabilities Assets $51.61 million Loans $27.79 million Deposits $46.89 million Equity Capital $4.53 million Loan Loss Allowance $390,000 Unbacked Noncurrent Loans $854,000 Real Estate Owned $512,000 Historic Data - March 2011 Assets $52.73 million Equity Capital $4.46 million Loan Loss Allowance $375,000 Unbacked Noncurrent Loans $990,000 Real Estate Owned $604,000 Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets -0.15% Return on Equity -1.68% Interest Income $524,000

Institution Health Overall Score: 3 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 Forrest City Bank, National Association had $1.37 million in non-current loans and owned real-estate with $4.92 million in equity and loan loss allowances on hand to cover it. This gives Forrest City Bank, National Association a Texas Ratio of 27.76% 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 Forrest City Bank, National Association decreased slightly from 32.94% as of March 31, 2011 to 27.76% as of March 31, 2012, resulting in a positive change of 15.71%.This indicates that the balance sheet and financial strength for Forrest City Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Forrest City Bank, National Association has decreased its total deposits by -$1.16 million, resulting in -2.41% 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 Forrest City Bank, National Association has shown is below average. 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. Forrest City Bank, National Association has $51.61 million in assets with $4.92 million in equity, resulting in a capitalization level of 9.53%, which is average.

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