# FIRST CMTY BK CRAWFORD CNTY
VAN BUREN, AR · FDIC certificate 35573 · asset band <$300M · latest filing 2013-12 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $61.4M | |
| Deposits | $56.5M | |
| Loans and leases | $47.7M | |
| Total equity | $2.8M | |
| Loans / deposits | 77.00% (p64 of band) | 69.26% |
| Liquid assets / assets | 12.91% (p6 of band) | |
| Uninsured deposits / deposits | 8.87% (p33 of band) | 12.49% |
| Brokered deposits | 9.44% | |
| Wholesale funding | 12.54% (p89 of band) | |
| FHLB advances / assets | 3.09% | |
| Tier 1 leverage | 0.57% (p0 of band) | 10.29% |
| Unrealized securities loss / equity | -3.57% (p31 of band) | -1.01% |
| AOCI / equity | -6.11% (p34 of band) | |
| ROA (annualized) | -3.26% (p1 of band) | 0.76% |
| Net interest margin | 4.33% (p84 of band) | 3.63% |
| Efficiency ratio | 101.44% (p92 of band) | |
| Noncurrent loans | 6.39% (p96 of band) | 0.94% |
| Net charge-offs (annualized) | 2.38% (p99 of band) | |
| Reserve coverage of noncurrent | 136.34% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 192.89% (p99 of band) | |
| Auto loans | $556,000 (1.17% of loans; DQ 1.98%, NCO 0.08%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -23.9% | |
| Employees | 18 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 3 | noncurrent p90 |  |
| 2011-09 | 3 | charge-offs p90 | noncurrent p90 |
| 2011-12 | 7 | leverage <7%, capital falling, losing money, noncurrent p90 |  |
| 2012-03 | 3 |  | charge-offs p90, capital falling, losing money, noncurrent p90 |
| 2012-06 | 4 | charge-offs p90 |  |
| 2012-09 | 8 | liquid assets <10%, losing money, deposits shrinking, assets shrinking |  |
| 2012-12 | 12 | leverage <5%, capital falling, expense ratio p90, noncurrent p90 | liquid assets <10% |
| 2013-03 | 11 | uninsured deposits leaving | capital falling, expense ratio p90 |
| 2013-06 | 10 | expense ratio p90 | reserve under noncurrent, noncurrent p90 |
| 2013-09 | 12 | noncurrent p90, reserve under noncurrent |  |
| 2013-12 | 11 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35573 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "35573", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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