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

First Community Bank in Whitehall, Ohio (OH)
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First Community Bank routing number info

First Community Bank - Overview

General
FDIC Certificate #: 17520
Status: Active
Federal Reserve ID: 453026
Date Established: Febuary 12, 1903
WWW: http://www.firstcommunitybank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 11029
FDIC's unique #: 11500
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: November 28, 1955
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: 4300 East Broad Street, Whitehall, OH 43213
County: Franklin
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Columbus, OH (#1840)
Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
Core Based Statistical Area (CBSA): Columbus, OH (#18140)
CBSA Metro Statistical Area: Columbus, OH (#18140)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $114.0 mil
Equity capital: $12.4 mil
Deposits held in domestic offices: $97.2 mil
Return on assets (ROA): 0.08% ($0.1 mil)
Quarterly return on assets: 0.05% ($0.1 mil)
Return on Equity (ROE): 0.81% ($0.1 mil)
Quarterly return on equity: 0.49% ($0.1 mil)
Net income: $0.1 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.08% ($91.2 mil)
Quarterly Pretax return on assets: 0.05% ($57.0 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
33Total employees (full-time equivalent)
$113,974Total assets
$8,328Cash and due from depository institutions
$7,635Interest-bearing balances
$20,561Securities
$500Federal funds sold & reverse repurchase agreements
$80,267Net loans & leases
$1,405Loan loss allowance
$0Trading account assets
$1,819Bank premises and fixed assets
$872Other real estate owned
$0Goodwill and other intangibles
$113,974Life insurance assets
$1,627All other assets
$101,526Total liabilities and capital
$97,192Total liabilities
$90,199Total deposits
$97,192Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,000Trading liabilities
$0Other borrowed funds
$334Subordinated debt
$12,448All other liabilities
$12,448Total equity capital
$12,448Total bank equity capital
$0Perpetual preferred stock
$251Common stock
$612Surplus
$11,585Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,711Income earned, not collected on loans
$0Earning assets
$463Long-term assets (5+ years)
$108,963Average Assets, year-to-date
$26,290Average Assets, quarterly
$115,665Volatile liabilities
$114,975Insider loans
$76,295FHLB advances
$114,558Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$11,464Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,339Restructured Loans and leases
$3,021Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,163Total interest income
$1,864Total interest expense
$4,299Net interest income
$1,390Provision for loan and lease losses
$196Total noninterest income
$0Fiduciary activities
$75Service charges on deposit accounts
$0Trading account gains & fees
$121Additional noninterest income
$3,105Total noninterest expense
$1,893Salaries and employee benefits
$499Premises and equipment expense
$713Additional noninterest expense
$0Pre-tax net operating income
$98Securities gains (losses)
$0Applicable income taxes
$98Income before extraordinary items
$0Extraordinary gains - net
$98Net income attributable to bank
$0Net charge-offs
$98Cash dividends
$1,759Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.58%Yield on earning assets
1.69%Cost of funding earning assets
3.89%Net interest margin
0.18%Noninterest income to earning assets
2.81%Noninterest expense to earning assets
0.00%Net operating income to assets
0.08%Return on assets (ROA)
0.08%Pretax return on assets
0.81%Return on equity (ROE)
0.81%Retained earnings to average equity (YTD only)
2.06%Net charge-offs to loans
79.02%Credit loss provision to net charge-offs
0.79%Efficiency ratio
69,077Assets per employee
3.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.72%Loss allowance to noncurrent loans
51.83%Noncurrent assets plus other real estate owned to assets
3.14%Noncurrent loans to loans
3.32%Net loans and leases to deposits
82.59%Net loans and leases to core deposits
83.64%Equity capital to assets
10.92%Core capital (leverage) ratio
10.01%Tier 1 risk-based capital ratio
15.03%Total risk-based capital ratio
Memoranda
$16Average assets
$115,665Average earning assets
$12,026Average equity
$110,504Average loans

List of branches

4 Ohio Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11500	First Community Bank	4300 East Broad Street, Whitehall, OH 43213	Febuary 12, 1903	Full Service Brick and Mortar
1	241925	Main Street Branch	Main And Federal Streets, Midway, OH 43151	October 07, 1980	Full Service Brick and Mortar
2	241926	Bethel Road Branch	2121 Bethel Road, Columbus, OH 43220	June 01, 1986	Full Service Brick and Mortar
3	466431	Short North Branch	647 N. High St, Columbus, OH 43215	May 14, 2007	Full Service Brick and Mortar

First Community Bank in Whitehall, Ohio (OH)
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 Whitehall, Ohio (OH)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 Whitehall, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches