First Community Bank in city_name, state_name - Detailed Financial Reports, Location

First Community Bank in Chatom, Alabama (AL)
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First Community Bank routing number info

First Community Bank - Overview

General
FDIC Certificate #: 14720
Status: Active
Federal Reserve ID: 186838
Bank Holding Company (Regulatory Top Holder): Southwest Bancshares, Inc. (RSSDID: 1132403, Location: Chatom, AL)
Date Established: July 08, 1909
WWW: http://www.fcb-al.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Domestic: 10, Interstate: No)
OTS Docket #: 13794
FDIC's unique #: 9209
Numeric code: 21
Regulator: FDIC
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
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: 34 Court St, Chatom, AL 36518
County: Washington
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Pensacola
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $322.1 mil
Equity capital: $30.5 mil
Deposits held in domestic offices: $279.7 mil
Return on assets (ROA): -0.20% (-$0.6 mil)
Quarterly return on assets: 0.65% ($2.1 mil)
Return on Equity (ROE): -2.17% (-$0.7 mil)
Quarterly return on equity: 6.92% ($2.1 mil)
Net income: -$0.6 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: -0.24% (-$773.1 mil)
Quarterly Pretax return on assets: 0.64% ($2,061.7 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
91Total employees (full-time equivalent)
$322,145Total assets
$8,381Cash and due from depository institutions
$932Interest-bearing balances
$63,214Securities
$15,094Federal funds sold & reverse repurchase agreements
$214,862Net loans & leases
$3,058Loan loss allowance
$0Trading account assets
$7,388Bank premises and fixed assets
$3,836Other real estate owned
$0Goodwill and other intangibles
$322,145Life insurance assets
$9,370All other assets
$291,602Total liabilities and capital
$279,746Total liabilities
$237,623Total deposits
$279,746Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$10,000Trading liabilities
$0Other borrowed funds
$1,856Subordinated debt
$30,543All other liabilities
$30,543Total equity capital
$30,543Total bank equity capital
$0Perpetual preferred stock
$8Common stock
$11,000Surplus
$19,535Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,708Income earned, not collected on loans
$0Earning assets
$1,272Long-term assets (5+ years)
$294,102Average Assets, year-to-date
$84,992Average Assets, quarterly
$321,349Volatile liabilities
$323,442Insider loans
$229,919FHLB advances
$320,787Loans and leases held for sale
$5,341Unused loan commitments
$5,341Tier 1 (core) risk-based capital
$29,395Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,328Restructured Loans and leases
$1,169Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$15,824Total interest income
$3,056Total interest expense
$12,768Net interest income
$3,776Provision for loan and lease losses
-$16Total noninterest income
$0Fiduciary activities
$982Service charges on deposit accounts
$0Trading account gains & fees
-$998Additional noninterest income
$9,970Total noninterest expense
$4,857Salaries and employee benefits
$1,507Premises and equipment expense
$3,606Additional noninterest expense
-$994Pre-tax net operating income
$220Securities gains (losses)
-$125Applicable income taxes
-$649Income before extraordinary items
$0Extraordinary gains - net
-$649Net income attributable to bank
$0Net charge-offs
-$649Cash dividends
$3,666Sale, conversion, retirement of capital stock, net
$193Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.41%Yield on earning assets
1.04%Cost of funding earning assets
4.37%Net interest margin
-0.01%Noninterest income to earning assets
3.41%Noninterest expense to earning assets
-0.26%Net operating income to assets
-0.20%Return on assets (ROA)
-0.24%Pretax return on assets
-2.17%Return on equity (ROE)
-2.82%Retained earnings to average equity (YTD only)
1.61%Net charge-offs to loans
103.00%Credit loss provision to net charge-offs
0.76%Efficiency ratio
78,121Assets per employee
3.54%Cash dividends to net income (YTD only)
Condition Ratios (%)
-29.74%Loss allowance to loans
1.40%Loss allowance to noncurrent loans
53.57%Noncurrent assets plus other real estate owned to assets
2.96%Noncurrent loans to loans
2.62%Net loans and leases to deposits
76.81%Net loans and leases to core deposits
80.43%Equity capital to assets
9.48%Core capital (leverage) ratio
9.16%Tier 1 risk-based capital ratio
12.78%Total risk-based capital ratio
Memoranda
$14Average assets
$321,349Average earning assets
$29,901Average equity
$292,506Average loans

List of branches

10 Alabama Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9209	First Community Bank	34 Court St, Chatom, AL 36518	July 08, 1909	Full Service Brick and Mortar
1	232048	Millry Branch	30122 Hwy 17 South, Millry, AL 36558	August 20, 1974	Full Service Brick and Mortar
2	194380	Military Road Branch	18930 U S Hwy 43, Mount Vernon, AL 36560	August 27, 1973	Full Service Brick and Mortar
3	249062	Citronelle Branch	19495 North Third Street, Citronelle, AL 36522	November 02, 1972	Full Service Brick and Mortar
4	232049	Saraland Branch	1063 Industrial Parkway, Saraland, AL 36571	November 22, 1996	Full Service Brick and Mortar
5	232050	Zeigler Corners Branch	720 Schillinger Road North, Mobile, AL 36608	June 30, 1998	Full Service Brick and Mortar
6	359721	Cottage Hill Road Branch	5229 Cottage Hill Road, Mobile, AL 36609	Febuary 12, 2001	Full Service Brick and Mortar
7	451775	Spanish Fort Branch	10021 Hwy 31, Spanish Fort, AL 36527	June 02, 2006	Full Service Brick and Mortar
8	452401	Montlimar Branch	1110 Montlimar Drive Suite 500, Mobile, AL 36609	May 30, 2006	Full Service Brick and Mortar
10	480339	Daphne Branch	27555 Us Highway 98, Daphne, AL 36526	August 11, 2008	Full Service Brick and Mortar

First Community Bank in Chatom, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Community Bank in Chatom, Alabama (AL)Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Community Bank in Chatom, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches