First Community Bank of Eastern Arkansas in Marion, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Community Bank of Eastern Arkansas in Marion, Arkansas (AR)
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First Community Bank of Eastern Arkansas - Overview

  • General
  • FDIC Certificate #: 34887
    Status: Active
    Federal Reserve ID: 2716828
    Bank Holding Company (Regulatory Top Holder): Fcb Financial Services, Inc (RSSDID: 3123339, Location: Marion, AR)
    Date Established: October 13, 1998
    WWW: http://www.fcbea.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 61950
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 13, 1998
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 205 Block Street, Marion, AR 72364
    County: Crittenden
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Memphis, TN-AR-MS (#4920)
    Core Based Statistical Area (CBSA): Memphis, TN-MS-AR (#32820)
    CBSA Metro Statistical Area: Memphis, TN-MS-AR (#32820)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $115.5 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $101.2 mil
    Return on assets (ROA): 0.98% ($1.1 mil)
    Quarterly return on assets: 0.63% ($0.7 mil)
    Return on Equity (ROE): 7.84% ($1.1 mil)
    Quarterly return on equity: 5.15% ($0.7 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.54% ($1,778.7 mil)
    Quarterly Pretax return on assets: 1.01% ($1,166.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 34Total employees (full-time equivalent)
  • $115,503Total assets
  • $7,547Cash and due from depository institutions
  • $2,013Interest-bearing balances
  • $20,114Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $77,628Net loans & leases
  • $1,171Loan loss allowance
  • $0Trading account assets
  • $4,635Bank premises and fixed assets
  • $1,807Other real estate owned
  • $0Goodwill and other intangibles
  • $115,503Life insurance assets
  • $3,772All other assets
  • $101,969Total liabilities and capital
  • $101,227Total liabilities
  • $69,914Total deposits
  • $101,227Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 350.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $392Subordinated debt
  • $13,534All other liabilities
  • $13,534Total equity capital
  • $13,534Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $6,684Surplus
  • $6,790Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $735Income earned, not collected on loans
  • $0Earning assets
  • $615Long-term assets (5+ years)
  • $99,755Average Assets, year-to-date
  • $10,722Average Assets, quarterly
  • $104,619Volatile liabilities
  • $109,380Insider loans
  • $84,572FHLB advances
  • $113,724Loans and leases held for sale
  • $1,390Unused loan commitments
  • $1,390Tier 1 (core) risk-based capital
  • $13,420Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,833Restructured Loans and leases
  • $8,190Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,282Total interest income
  • $670Total interest expense
  • $4,612Net interest income
  • $200Provision for loan and lease losses
  • $1,056Total noninterest income
  • $0Fiduciary activities
  • $628Service charges on deposit accounts
  • $0Trading account gains & fees
  • $428Additional noninterest income
  • $3,863Total noninterest expense
  • $2,022Salaries and employee benefits
  • $422Premises and equipment expense
  • $1,419Additional noninterest expense
  • $1,605Pre-tax net operating income
  • $3Securities gains (losses)
  • $587Applicable income taxes
  • $1,021Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,021Net income attributable to bank
  • $0Net charge-offs
  • $1,021Cash dividends
  • $182Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.84%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 5.10%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 4.27%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 7.84%Return on equity (ROE)
  • 7.84%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 109.89%Credit loss provision to net charge-offs
  • 9.92%Efficiency ratio
  • 68,155Assets per employee
  • 3.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.49%Loss allowance to noncurrent loans
  • 159.32%Noncurrent assets plus other real estate owned to assets
  • 2.20%Noncurrent loans to loans
  • 0.93%Net loans and leases to deposits
  • 76.69%Net loans and leases to core deposits
  • 88.04%Equity capital to assets
  • 11.72%Core capital (leverage) ratio
  • 11.80%Tier 1 risk-based capital ratio
  • 15.87%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $104,619Average earning assets
  • $13,016Average equity
  • $90,404Average loans

List of branches

  • 2 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    061950First Community Bank Of Eastern Arka205 Block Street, Marion, AR 72364October 13, 1998Full Service Brick and Mortar
    1440821Missouri Street Branch1103 North Missouri Street, West Memphis, AR 72301May 20, 2005Full Service Brick and Mortar

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