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

First Community Bank in Santa Rosa, California (CA)
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First Community Bank routing number info

First Community Bank - Overview

General
FDIC Certificate #: 57903
Status: Active
Federal Reserve ID: 3232204
Bank Holding Company (Regulatory Top Holder): First Community Holdings (RSSDID: 3602245, Location: Santa Rosa, CA)
Date Established: January 28, 2005
WWW: http://www.fcbconnect.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
FDIC's unique #: 429969
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 28, 2005
Last Structure Change Effective Date: May 26, 2009
Last Structure Change Process Date: May 26, 2009
Last Data Update: May 26, 2009
Data Source Date: April 05, 2012
Location
Address: 438 First Street, Santa Rosa, CA 95404
County: Sonoma
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: San Francisco
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Santa Rosa, CA (#7500)
Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
Core Based Statistical Area (CBSA): Santa Rosa-Petaluma, CA (#42220)
CBSA Metro Statistical Area: Santa Rosa-Petaluma, CA (#42220)
Financial Summary
Total assets: $675.7 mil
Equity capital: $61.3 mil
Deposits held in domestic offices: $553.9 mil
Return on assets (ROA): -2.73% (-$18.5 mil)
Quarterly return on assets: 0.18% ($1.2 mil)
Return on Equity (ROE): -30.66% (-$18.7 mil)
Quarterly return on equity: 2.07% ($1.3 mil)
Net income: -$19.5 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: -2.73% (-$18,446.4 mil)
Quarterly Pretax return on assets: 0.60% ($4,054.2 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
84Total employees (full-time equivalent)
$675,692Total assets
$137,187Cash and due from depository institutions
$127,810Interest-bearing balances
$15,782Securities
$0Federal funds sold & reverse repurchase agreements
$484,904Net loans & leases
$23,754Loan loss allowance
$0Trading account assets
$1,320Bank premises and fixed assets
$25,816Other real estate owned
$609Goodwill and other intangibles
$675,692Life insurance assets
$10,074All other assets
$614,384Total liabilities and capital
$553,930Total liabilities
$525,011Total deposits
$553,930Interest-bearing deposits
$87Deposits held in domestic offices
2122.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$56,330Trading liabilities
$0Other borrowed funds
$2,002Subordinated debt
$61,308All other liabilities
$61,308Total equity capital
$61,308Total bank equity capital
$0Perpetual preferred stock
$73,491Common stock
$19,082Surplus
$-31,265Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$51,473Income earned, not collected on loans
$2,416Earning assets
$2,355Long-term assets (5+ years)
$628,496Average Assets, year-to-date
$181,400Average Assets, quarterly
$712,459Volatile liabilities
$686,693Insider loans
$504,885FHLB advances
$668,411Loans and leases held for sale
$104Unused loan commitments
$0Tier 1 (core) risk-based capital
$61,215Tier 2 risk-based capital
$104Total risk weighted assets
$0Total unused commitments
$35,831Restructured Loans and leases
$18,473Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$29,534Total interest income
$7,133Total interest expense
$22,401Net interest income
$26,304Provision for loan and lease losses
-$1,623Total noninterest income
$0Fiduciary activities
$424Service charges on deposit accounts
$0Trading account gains & fees
-$2,047Additional noninterest income
$13,952Total noninterest expense
$6,531Salaries and employee benefits
$1,468Premises and equipment expense
$5,953Additional noninterest expense
-$19,478Pre-tax net operating income
$0Securities gains (losses)
$2Applicable income taxes
-$19,480Income before extraordinary items
$0Extraordinary gains - net
-$19,480Net income attributable to bank
$0Net charge-offs
-$19,480Cash dividends
$18,776Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.46%Yield on earning assets
1.08%Cost of funding earning assets
3.38%Net interest margin
-0.24%Noninterest income to earning assets
2.10%Noninterest expense to earning assets
-2.73%Net operating income to assets
-2.73%Return on assets (ROA)
-2.73%Pretax return on assets
-30.66%Return on equity (ROE)
-30.66%Retained earnings to average equity (YTD only)
3.55%Net charge-offs to loans
140.09%Credit loss provision to net charge-offs
0.36%Efficiency ratio
67,148Assets per employee
8.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
4.67%Loss allowance to noncurrent loans
46.15%Noncurrent assets plus other real estate owned to assets
11.44%Noncurrent loans to loans
10.12%Net loans and leases to deposits
87.54%Net loans and leases to core deposits
93.34%Equity capital to assets
9.07%Core capital (leverage) ratio
9.16%Tier 1 risk-based capital ratio
12.12%Total risk-based capital ratio
Memoranda
$13Average assets
$712,459Average earning assets
$63,533Average equity
$662,841Average loans

List of branches

8 California Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	429969	First Community Bank	438 First Street, Santa Rosa, CA 95404	January 28, 2005	Full Service Brick and Mortar
1	438880	Oakmont Branch	6580 Oakmont Drive, Santa Rosa, CA 95409	March 15, 2005	Full Service Brick and Mortar
2	442013	Petaluma Branch	100 Second Street, Petaluma, CA 94952	June 13, 2005	Full Service Brick and Mortar
3	462774	Alameda Branch	2531 Blanding Avenue, Alameda, CA 94501	Febuary 21, 2007	Full Service Brick and Mortar
4	469430	Walnut Creek Branch	1940 Tice Valley Boulevard, Walnut Creek, CA 94595	November 05, 2007	Full Service Brick and Mortar
5	479353	Varenna Branch	1401 Fountaingrove Parkway, Santa Rosa, CA 95403	May 15, 2008	Full Service Retail
6	493015	East Petaluma Branch	157 N Mcdowell Blvd, Petaluma, CA 94954	April 22, 2009	Full Service Brick and Mortar
7	510570	Corte Madera Branch	137 Corte Madera Town Center, Corte Madera, CA 94925	September 01, 2009	Full Service Brick and Mortar

First Community Bank in Santa Rosa, California (CA)
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 Santa Rosa, California (CA)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 Santa Rosa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches