First Community Bank in Vanceburg, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Community Bank in Vanceburg, Kentucky (KY)
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First Community Bank routing number info

First Community Bank - Overview

  • General
  • FDIC Certificate #: 22355
    Status: Active
    Federal Reserve ID: 417710
    Date Established: October 26, 1976
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 15562
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 26, 1976
    Last Structure Change Effective Date: August 17, 2010
    Last Structure Change Process Date: August 18, 2010
    Last Data Update: August 18, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 26 Second Street, Vanceburg, KY 41179
    County: Lewis
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Lexington
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Core Based Statistical Area (CBSA): Maysville, KY (#32500)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $28.4 mil
    Equity capital: $5.0 mil
    Deposits held in domestic offices: $23.3 mil
    Return on assets (ROA): 0.51% ($0.1 mil)
    Quarterly return on assets: 0.24% ($0.1 mil)
    Return on Equity (ROE): 2.91% ($0.1 mil)
    Quarterly return on equity: 1.37% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.51% ($144.8 mil)
    Quarterly Pretax return on assets: 0.24% ($68.1 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
  • 16Total employees (full-time equivalent)
  • $28,389Total assets
  • $1,750Cash and due from depository institutions
  • $250Interest-bearing balances
  • $4,390Securities
  • $339Federal funds sold & reverse repurchase agreements
  • $18,224Net loans & leases
  • $355Loan loss allowance
  • $0Trading account assets
  • $1,381Bank premises and fixed assets
  • $115Other real estate owned
  • $1,823Goodwill and other intangibles
  • $28,389Life insurance assets
  • $367All other assets
  • $23,436Total liabilities and capital
  • $23,313Total liabilities
  • $17,230Total deposits
  • $23,313Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $123Subordinated debt
  • $4,953All other liabilities
  • $4,953Total equity capital
  • $4,953Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $3,502Surplus
  • $1,051Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $236Income earned, not collected on loans
  • $0Earning assets
  • $148Long-term assets (5+ years)
  • $23,203Average Assets, year-to-date
  • $10,775Average Assets, quarterly
  • $27,825Volatile liabilities
  • $28,389Insider loans
  • $19,462FHLB advances
  • $26,301Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,999Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $477Restructured Loans and leases
  • $888Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,325Total interest income
  • $167Total interest expense
  • $1,158Net interest income
  • $0Provision for loan and lease losses
  • $98Total noninterest income
  • $0Fiduciary activities
  • $59Service charges on deposit accounts
  • $0Trading account gains & fees
  • $39Additional noninterest income
  • $1,279Total noninterest expense
  • $643Salaries and employee benefits
  • $100Premises and equipment expense
  • $536Additional noninterest expense
  • -$23Pre-tax net operating income
  • $166Securities gains (losses)
  • $0Applicable income taxes
  • $143Income before extraordinary items
  • $0Extraordinary gains - net
  • $143Net income attributable to bank
  • $0Net charge-offs
  • $143Cash dividends
  • $9Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.72%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 5.00%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 5.52%Noninterest expense to earning assets
  • -0.08%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 2.91%Return on equity (ROE)
  • 2.91%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • -2.56%Efficiency ratio
  • 95,860Assets per employee
  • 1.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.91%Loss allowance to noncurrent loans
  • 150.42%Noncurrent assets plus other real estate owned to assets
  • 1.24%Noncurrent loans to loans
  • 1.27%Net loans and leases to deposits
  • 78.17%Net loans and leases to core deposits
  • 83.55%Equity capital to assets
  • 17.45%Core capital (leverage) ratio
  • 11.40%Tier 1 risk-based capital ratio
  • 15.41%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $27,825Average earning assets
  • $4,911Average equity
  • $23,177Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    015562First Community Bank26 Second Street, Vanceburg, KY 41179October 26, 1976Full Service Brick and Mortar
    1254436Garrison Branch13 Garrison Lane, Garrison, KY 41141July 20, 1981Full Service Brick and Mortar

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