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First Community Bank of Eastern Arkansas

Marion, AR · Cert 34887

FDIC · 3 branches

Q4 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2022, the quarter ended December 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Community Bank of Eastern Arkansas

Marion, AR · Cert 34887

FDIC · 3 branches

Q4 2022

$242.1MAssets
$137.3MLoans
$199.1MDeposits
$41.7MEquity
Loan mix
81%RE $85.0M17%C&I $17.3M2%Consumer $2.3MQ4 2021Q4 2022
Deposit mix
65%Interest-bearing $129.7M35%Noninterest $69.4MQ4 2021Q4 2022

NIM

4.04%Q4 ’203.62%Q4 ’212.13%Q4 ’22-2%-37%

Non-interest income vs. expense

2.79%Q4 ’202.46%Q4 ’211.46%Q4 ’22-13%-40%

Market Position · Memphis, TN-MS-AR · 2022 SOD (annual) · 0.4% share · #33 of 46 inst. · $0.2B of $41.8B

8.9% Crittenden
0.3% Craighead

Executive Summary

  • Earnings: ROA of 0.69%, down 36 bps year over year; NIM at 2.20%.
  • Asset quality: problem loans at 0.91% of loans (+50 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.21%, down 43 bps from a year ago.
  • Funding: loans stand at 68.99% of deposits as of Q4 2022.

Financial Results

Return on Assets (YTD, annualized)

0.69%-36 bps YoY

Net Interest Margin (YTD, annualized)

2.20%-127 bps YoY

Efficiency Ratio (YTD, annualized)

62.47%-47 bps YoY

Tier 1 Leverage Ratio

12.21%-43 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022YoY ΔTrend
Earnings
Return on Assets1.05%0.94%0.24%0.58%0.69%-36 bps
Return on Equity7.87%7.26%1.86%4.03%4.60%-327 bps
Net Interest Margin3.47%3.46%0.62%1.66%2.20%-127 bps
Efficiency Ratio62.94%65.56%55.29%57.07%62.47%-47 bps
Non-Interest Burden2.02%2.14%0.25%0.81%1.22%-80 bps
Growth
Asset Growth (YoY)19.25%8.96%14.71%9.49%6.47%-1,278 bps
Loan Growth (YoY)16.05%11.59%-1.45%-6.96%-15.89%-3,194 bps
Deposit Growth (YoY)21.26%9.31%15.69%3.08%0.34%-2,092 bps
Asset Quality
Nonperforming Loans / Loans0.41%0.44%0.49%0.64%0.91%+50 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.00%0.00%0 bps
Allowance / Loans1.30%1.25%1.30%0.00%0.00%-130 bps
Allowance Coverage of NPLs3.2x2.8x2.6x0.0x0.0x-3.2x
Capital
Tier 1 Leverage Ratio12.64%13.37%7.99%14.66%12.21%-43 bps
Total Risk-Based Capital17.98%18.01%11.14%18.63%19.92%+194 bps
Equity / Assets12.28%13.75%13.22%18.81%17.23%+495 bps
Liquidity & Funding
Loans / Deposits82.29%96.26%83.36%89.39%68.99%-1,330 bps
Liquid Assets / Assets24.36%13.41%18.28%18.51%33.49%+913 bps
CRE / Total Capitaln/an/an/an/an/an/an/a