Rapid Reaction: Colts 27, 49ers 7

SAN FRANCISCO -- A few thoughts on the San Francisco 49ers' 27-7 loss to the Indianapolis Colts:

What it means: It’s nervous time in San Francisco. The 49ers are 1-2 and under .500 for the first time in the Jim Harbaugh era. The 49ers, who lost to a Colts team that was playing without six starters, are now two games behind rival Seattle in the NFC West. The 49ers looked awful on offense on a day Andrew Luck beat his former college coach. With poor offensive play, injuries mounting and Aldon Smith's off-field issues, the 49ers are nearing the crisis stage.

Painful day: The 49ers lost star inside linebacker Patrick Willis to a groin injury late in the third quarter. His status for Thursday’s game at St. Louis might be in question. The 49ers can’t afford to play without their heart and soul for too long. Also, tight end Vernon Davis missed Sunday’s game with a hamstring injury he suffered last week in Seattle. It was his first missed game since 2007. It might be difficult for him to return Thursday.

Stock watch: The San Francisco passing game was awful. Colin Kaepernick threw for just 150 yards. He completed two passes in the first half. It’s not all on Kaepernick, however. His receivers could not get open. This was a problem last week in Seattle, and it could become a major issue.

Penalties still an issue: The 49ers were penalized six times. They have been flagged 29 times in three games. They were penalized twice on the Colts’ series that gave Indianapolis a double-digit lead late in the fourth quarter.

What’s next: The 49ers don’t have much time to lick their wounds. They play at St. Louis on Thursday. It’s a short week at a bad time for the 49ers. They have to adjust accordingly or they could fall way behind the Seahawks.