PackageTrendsPeer
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First Community Bank

Jonesboro, AR · Cert 11257

FDIC

Q1 2001

$156.9MAssets
$121.2MLoans
$139.3MDeposits
$13.1MEquity
Loan mix
41%RE $33.8M59%C&I $48.2M0%Consumer $0.3MQ2 1999Q1 2001
Deposit mix
88%Interest-bearing $122.8M12%Noninterest $16.6MQ2 1999Q1 2001

Executive Summary

  • Earnings: ROA of 0.55%, down 204 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.01%.
  • Funding: loans stand at 86.99% of deposits as of Q1 2001.

Return on Assets (quarter, annualized)

0.55%-204 bps YoY

Net Interest Margin (quarter, annualized)

3.05%
n/a

Efficiency Ratio (quarter, annualized)

69.44%
n/a

Tier 1 Leverage Ratio

n/a
n/a

NIM

Non-interest income vs. expense

Discrete quarter, annualized.

MetricQ2 1999Q3 1999Q4 1999Q1 2000Q2 2000Q3 2000Q4 2000Q1 2001YoY ΔTrend
Earnings
Return on Assets1.50%1.21%1.70%2.59%2.05%1.72%0.73%0.55%-204 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a3.05%n/an/a
Efficiency Ration/an/an/an/an/an/an/a69.44%n/an/a
Non-Interest Burdenn/an/an/an/an/an/an/a2.00%n/an/a
Growth
Asset Growth (YoY)5.44%2.08%-1.90%-6.54%-4.07%6.88%209%212%+21,887 bps
Loan Growth (YoY)2.41%10.29%10.73%22.67%19.57%17.61%265%243%+22,030 bps
Deposit Growth (YoY)5.79%1.50%-4.82%-7.73%-5.30%1.17%219%217%+22,427 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a-0.01%n/an/a
Allowance / Loansn/an/an/an/an/an/an/a1.00%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/a11.04%n/an/a
Equity / Assetsn/an/an/an/an/an/an/a8.33%n/an/a
Liquidity & Funding
Loans / Deposits65.96%75.85%75.16%80.29%83.28%88.17%85.94%86.99%+670 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%7.50%+750 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a