First Community Bank in Winnfield, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 07, 1996

First Community Bank in Winnfield, Louisiana (LA)
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First Community Bank - Overview

General
FDIC Certificate #: 19231
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Sabine State Bank and Trust Company (#8141)
Federal Reserve ID: 706955
Date Established: September 15, 1964
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
FDIC's unique #: 13047
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: September 15, 1964
Last Structure Change Effective Date: June 07, 1996
Last Structure Change Process Date: June 26, 1996
Last Data Update: June 26, 1996
Data Source Date: April 05, 2012
Location
Address: Bevill And Lafayette Streets, Winnfield, LA 71483
County: Winn
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Shreveport
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Financial Summary
Total assets: $50.1 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$32Total assets
$49,904Cash and due from depository institutions
$2,048Interest-bearing balances
$4Securities
$9,175Federal funds sold & reverse repurchase agreements
$8,475Net loans & leases
$29,113Loan loss allowance
$570Trading account assets
$0Bank premises and fixed assets
$663Other real estate owned
$28Goodwill and other intangibles
$402Life insurance assets
$0All other assets
$0Total liabilities and capital
$49,904Total liabilities
$45,903Total deposits
$45,271Interest-bearing deposits
$37,798Deposits held in domestic offices
45271.00%% insured (estimated)
$86Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$632Total equity capital
$632Total bank equity capital
$4,001Perpetual preferred stock
$0Common stock
$487Surplus
$913Undivided profits
Memoranda
$2,601Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$419Income earned, not collected on loans
$210Earning assets
$46,767Long-term assets (5+ years)
$2,117Average Assets, year-to-date
$47,207Average Assets, quarterly
$48,612Volatile liabilities
$11,696Insider loans
$0FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$207Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,001Total risk weighted assets
$28,446Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$4,021Total interest expense
$1,654Net interest income
$2,367Provision for loan and lease losses
$4Total noninterest income
$527Fiduciary activities
$0Service charges on deposit accounts
$399Trading account gains & fees
$0Additional noninterest income
$128Total noninterest expense
$1,708Salaries and employee benefits
$978Premises and equipment expense
$203Additional noninterest expense
$527Pre-tax net operating income
$1,182Securities gains (losses)
$0Applicable income taxes
$365Income before extraordinary items
$817Extraordinary gains - net
$0Net income attributable to bank
$817Net charge-offs
-$89Cash dividends
$107Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.14%Cost of funding earning assets
3.76%Net interest margin
5.38%Noninterest income to earning assets
1.20%Noninterest expense to earning assets
3.88%Net operating income to assets
1.73%Return on assets (ROA)
1.73%Pretax return on assets
2.50%Return on equity (ROE)
22.49%Retained earnings to average equity (YTD only)
19.55%Net charge-offs to loans
-0.31%Credit loss provision to net charge-offs
-4.49%Efficiency ratio
59,019Assets per employee
1.56%Cash dividends to net income (YTD only)
Condition Ratios (%)
13.10%Loss allowance to loans
1.92%Loss allowance to noncurrent loans
136.04%Noncurrent assets plus other real estate owned to assets
0.90%Noncurrent loans to loans
1.41%Net loans and leases to deposits
64.31%Net loans and leases to core deposits
86.71%Equity capital to assets
8.02%Core capital (leverage) ratio
8.23%Tier 1 risk-based capital ratio
14.07%Total risk-based capital ratio
Memoranda
$15Average assets
$47,207Average earning assets
$3,632Average equity
$44,001Average loans

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