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

First Community Bank in Hammond, Louisiana (LA)
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First Community Bank routing number info

First Community Bank - Overview

General
FDIC Certificate #: 35090
Status: Active
Federal Reserve ID: 2875592
Bank Holding Company (Regulatory Top Holder): First Community Holding Company (RSSDID: 3311640, Location: Hammond, LA)
Date Established: January 19, 2000
WWW: http://www.fcb-la.com
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 #: 74668
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: January 19, 2000
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: 600 Southwest Railroad Avenue, Hammond, LA 70403
County: Tangipahoa
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Baton Rouge
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Hammond, LA (#25220)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $114.4 mil
Equity capital: $12.7 mil
Deposits held in domestic offices: $92.4 mil
Return on assets (ROA): 0.29% ($0.3 mil)
Quarterly return on assets: 0.18% ($0.2 mil)
Return on Equity (ROE): 2.65% ($0.3 mil)
Quarterly return on equity: 1.60% ($0.2 mil)
Net income: $0.3 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.44% ($503.4 mil)
Quarterly Pretax return on assets: 0.28% ($320.3 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
30Total employees (full-time equivalent)
$114,398Total assets
$9,478Cash and due from depository institutions
$7,819Interest-bearing balances
$12,754Securities
$525Federal funds sold & reverse repurchase agreements
$84,241Net loans & leases
$1,309Loan loss allowance
$0Trading account assets
$1,836Bank premises and fixed assets
$3,695Other real estate owned
$0Goodwill and other intangibles
$114,398Life insurance assets
$1,869All other assets
$101,672Total liabilities and capital
$92,357Total liabilities
$80,036Total deposits
$92,357Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$8,998Trading liabilities
$0Other borrowed funds
$317Subordinated debt
$12,726All other liabilities
$12,726Total equity capital
$12,726Total bank equity capital
$0Perpetual preferred stock
$651Common stock
$9,376Surplus
$2,699Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,334Income earned, not collected on loans
$0Earning assets
$347Long-term assets (5+ years)
$105,339Average Assets, year-to-date
$11,819Average Assets, quarterly
$115,511Volatile liabilities
$114,441Insider loans
$81,506FHLB advances
$113,796Loans and leases held for sale
$140Unused loan commitments
$140Tier 1 (core) risk-based capital
$12,715Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,994Restructured Loans and leases
$158Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$5,782Total interest income
$1,314Total interest expense
$4,468Net interest income
$245Provision for loan and lease losses
$155Total noninterest income
$0Fiduciary activities
$199Service charges on deposit accounts
$0Trading account gains & fees
-$44Additional noninterest income
$3,910Total noninterest expense
$1,896Salaries and employee benefits
$369Premises and equipment expense
$1,645Additional noninterest expense
$468Pre-tax net operating income
$41Securities gains (losses)
$175Applicable income taxes
$334Income before extraordinary items
$0Extraordinary gains - net
$334Net income attributable to bank
$0Net charge-offs
$334Cash dividends
$748Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.46%Yield on earning assets
1.24%Cost of funding earning assets
4.22%Net interest margin
0.15%Noninterest income to earning assets
3.69%Noninterest expense to earning assets
0.27%Net operating income to assets
0.29%Return on assets (ROA)
0.44%Pretax return on assets
2.65%Return on equity (ROE)
2.65%Retained earnings to average equity (YTD only)
0.89%Net charge-offs to loans
32.75%Credit loss provision to net charge-offs
0.95%Efficiency ratio
84,577Assets per employee
3.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.53%Loss allowance to noncurrent loans
56.08%Noncurrent assets plus other real estate owned to assets
5.27%Noncurrent loans to loans
2.73%Net loans and leases to deposits
91.21%Net loans and leases to core deposits
94.04%Equity capital to assets
11.12%Core capital (leverage) ratio
11.17%Tier 1 risk-based capital ratio
15.60%Total risk-based capital ratio
Memoranda
$17Average assets
$115,511Average earning assets
$12,611Average equity
$105,833Average loans

List of branches

2 Louisiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	74668	First Community Bank	600 Southwest Railroad Avenue, Hammond, LA 70403	January 19, 2000	Full Service Brick and Mortar
1	438744	Mandeville Branch	4892 Louisiana Highway 22, Mandeville, LA 70471	Febuary 28, 2005	Full Service Brick and Mortar

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