PackageTrendsPeer
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First Community Bank of Crawford County

Van Buren, AR · Cert 35573

FDIC

Q4 2013

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 2013, the quarter ended December 31, 2013, 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 Crawford County

Van Buren, AR · Cert 35573

FDIC

Q4 2013

$61.4MAssets
$47.7MLoans
$56.5MDeposits
$2.8MEquity
Loan mix
84%RE $36.7M9%C&I $3.9M7%Consumer $3.1MQ4 2012Q4 2013
Deposit mix
92%Interest-bearing $51.9M8%Noninterest $4.6MQ4 2012Q4 2013

NIM

4.83%Q4 ’114.84%Q4 ’125.06%Q4 ’13+8%+12%

Non-interest income vs. expense

6.57%Q4 ’113.66%Q4 ’124.81%Q4 ’13-34%+5%

Executive Summary

  • Earnings: ROA of -3.26%, down 188 bps year over year; NIM at 4.13%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.63%.
  • Funding: loans stand at 84.36% of deposits as of Q4 2013.

Financial Results

Return on Assets (YTD, annualized)

-3.26%-188 bps YoY

Net Interest Margin (YTD, annualized)

4.13%+43 bps YoY

Efficiency Ratio (YTD, annualized)

101.44%-729 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets-1.38%-0.88%-2.35%-1.82%-3.26%-188 bps
Return on Equity-19.65%-13.50%-37.44%-29.01%-54.50%-3,485 bps
Net Interest Margin3.70%3.81%3.94%3.99%4.13%+43 bps
Efficiency Ratio108.74%97.84%99.65%102.44%101.44%-729 bps
Non-Interest Burden4.00%3.72%3.92%4.11%4.20%+20 bps
Growth
Asset Growth (YoY)-10.97%-17.80%-21.21%-21.78%-26.63%-1,567 bps
Loan Growth (YoY)-6.97%-14.83%-22.76%-28.41%-28.97%-2,201 bps
Deposit Growth (YoY)-10.72%-17.81%-20.58%-18.73%-23.88%-1,317 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans2.81%2.55%3.90%3.66%3.63%+81 bps
Allowance / Loans3.36%3.61%4.93%5.12%8.72%+535 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital7.55%7.70%5.95%5.99%1.57%-598 bps
Equity / Assets6.38%6.61%5.82%6.22%4.56%-182 bps
Liquidity & Funding
Loans / Deposits90.40%88.69%84.93%82.39%84.36%-604 bps
Liquid Assets / Assets0.49%0.12%0.07%0.02%0.02%-47 bps
CRE / Total Capitaln/an/an/an/an/an/an/a