First Communitiy Bank in Pocahontas, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 16, 2000

First Communitiy Bank in Pocahontas, Arkansas (AR)
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First Communitiy Bank - Overview

General
FDIC Certificate #: 18577
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First Community Bank (#11257)
Federal Reserve ID: 666947
Date Established: August 10, 1962
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
OTS Docket #: 14391
FDIC's unique #: 12464
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: August 10, 1962
Last Structure Change Effective Date: October 16, 2000
Last Structure Change Process Date: January 11, 2001
Last Data Update: January 11, 2001
Data Source Date: April 05, 2012
Location
Address: 205 Rice Street, Pocahontas, AR 72455
County: Randolph
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Little Rock
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $107.9 mil

1992 - 1999 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, 1999)

Dollar figures in thousands
41Total employees (full-time equivalent)
$85,152Total assets
$4,143Cash and due from depository institutions
$0Interest-bearing balances
$10,421Securities
$0Federal funds sold & reverse repurchase agreements
$65,028Net loans & leases
$482Loan loss allowance
$0Trading account assets
$3,976Bank premises and fixed assets
$0Other real estate owned
$205Goodwill and other intangibles
$0Life insurance assets
$1,379All other assets
$85,152Total liabilities and capital
$79,042Total liabilities
$73,383Total deposits
$63,820Interest-bearing deposits
$73,383Deposits held in domestic offices
0.00%% insured (estimated)
$4,580Federal funds purchased & repurchase agreements
$0Trading liabilities
$607Other borrowed funds
$0Subordinated debt
$472All other liabilities
$6,110Total equity capital
$6,110Total bank equity capital
$6,110Perpetual preferred stock
$0Common stock
$441Surplus
$2,889Undivided profits
Memoranda
$2,780Noncurrent loans and leases
$17,122Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$181Earning assets
$0Long-term assets (5+ years)
$805Average Assets, year-to-date
$75,449Average Assets, quarterly
$5,199Volatile liabilities
$74,868Insider loans
$83,406FHLB advances
$17,746Loans and leases held for sale
$2,097Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$17,122Total unused commitments
$0Restructured Loans and leases
$482Derivatives

Income and Expense (December 31, 1999)

Dollar figures in thousands
$5,426Total interest income
$2,604Total interest expense
$2,822Net interest income
$735Provision for loan and lease losses
$357Total noninterest income
$0Fiduciary activities
$205Service charges on deposit accounts
$0Trading account gains & fees
$152Additional noninterest income
$2,066Total noninterest expense
$1,001Salaries and employee benefits
$418Premises and equipment expense
$647Additional noninterest expense
$378Pre-tax net operating income
$0Securities gains (losses)
$117Applicable income taxes
$261Income before extraordinary items
$0Extraordinary gains - net
$261Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$641Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1999)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.00%Yield on earning assets
3.84%Cost of funding earning assets
4.16%Net interest margin
0.53%Noninterest income to earning assets
3.05%Noninterest expense to earning assets
0.35%Net operating income to assets
0.35%Return on assets (ROA)
0.50%Pretax return on assets
4.78%Return on equity (ROE)
4.78%Retained earnings to average equity (YTD only)
1.16%Net charge-offs to loans
114.66%Credit loss provision to net charge-offs
1.74%Efficiency ratio
64,454Assets per employee
2.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.74%Loss allowance to noncurrent loans
266.30%Noncurrent assets plus other real estate owned to assets
0.21%Noncurrent loans to loans
0.28%Net loans and leases to deposits
88.61%Net loans and leases to core deposits
107.91%Equity capital to assets
7.18%Core capital (leverage) ratio
7.22%Tier 1 risk-based capital ratio
8.56%Total risk-based capital ratio
Memoranda
$9Average assets
$74,868Average earning assets
$5,457Average equity
$67,805Average loans

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