First Community Bank, National Association in city_name, state_name

First Community Bank, National Association in Lexington, South Carolina (SC)
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First Community Bank, National Association routing number info

First Community Bank, National Association - Overview

General
FDIC Certificate #: 34047
Status: Active
Federal Reserve ID: 2328137
Bank Holding Company (Regulatory Top Holder): First Community Corporation (RSSDID: 2337401, Location: Lexington, SC)
Date Established: August 17, 1995
WWW: http://www.firstcommunitysc.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 11 (Domestic: 11, Interstate: No)
FDIC's unique #: 56126
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 17, 1995
Last Structure Change Effective Date: June 09, 2006
Last Structure Change Process Date: July 18, 2006
Last Data Update: July 18, 2006
Data Source Date: April 05, 2012
Location
Address: 5455 Sunset Boulevard, Lexington, SC 29072
County: Lexington
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Columbia Sc
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Columbia, SC (#1760)
Combined Statistical Area (CSA): Columbia-Newberry, SC (#192)
Core Based Statistical Area (CBSA): Columbia, SC (#17900)
CBSA Metro Statistical Area: Columbia, SC (#17900)
History of Changes
Participated in Absorption/Consolidation/Merger
Financial Summary
Total assets: $593.9 mil
Equity capital: $61.7 mil
Deposits held in domestic offices: $469.0 mil
Return on assets (ROA): 0.63% ($3.7 mil)
Quarterly return on assets: 0.81% ($4.8 mil)
Return on Equity (ROE): 6.55% ($4.1 mil)
Quarterly return on equity: 8.01% ($5.0 mil)
Net income: $3.8 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 0.91% ($5,404.4 mil)
Quarterly Pretax return on assets: 1.19% ($7,067.3 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
157Total employees (full-time equivalent)
$593,890Total assets
$16,111Cash and due from depository institutions
$5,510Interest-bearing balances
$201,020Securities
$253Federal funds sold & reverse repurchase agreements
$323,337Net loans & leases
$4,699Loan loss allowance
$0Trading account assets
$17,483Bank premises and fixed assets
$7,351Other real estate owned
$742Goodwill and other intangibles
$593,890Life insurance assets
$27,593All other assets
$532,177Total liabilities and capital
$469,024Total liabilities
$381,116Total deposits
$469,024Interest-bearing deposits
$94Deposits held in domestic offices
12844.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$43,862Trading liabilities
$0Other borrowed funds
$6,447Subordinated debt
$61,713All other liabilities
$61,713Total equity capital
$61,713Total bank equity capital
$0Perpetual preferred stock
$34,206Common stock
$36,793Surplus
$-9,286Undivided profits
Memoranda
$0Noncurrent loans and leases
$3,725Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$5,427Income earned, not collected on loans
$0Earning assets
$1,914Long-term assets (5+ years)
$530,120Average Assets, year-to-date
$159,917Average Assets, quarterly
$602,162Volatile liabilities
$600,460Insider loans
$366,175FHLB advances
$597,456Loans and leases held for sale
$10,974Unused loan commitments
$9,102Tier 1 (core) risk-based capital
$55,377Tier 2 risk-based capital
$0Total risk weighted assets
$1,872Total unused commitments
$41,672Restructured Loans and leases
$11,284Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$25,504Total interest income
$6,763Total interest expense
$18,741Net interest income
$1,420Provision for loan and lease losses
$5,948Total noninterest income
$0Fiduciary activities
$1,828Service charges on deposit accounts
$0Trading account gains & fees
$4,120Additional noninterest income
$18,090Total noninterest expense
$9,495Salaries and employee benefits
$2,436Premises and equipment expense
$6,159Additional noninterest expense
$5,179Pre-tax net operating income
$278Securities gains (losses)
$1,675Applicable income taxes
$3,782Income before extraordinary items
$0Extraordinary gains - net
$3,782Net income attributable to bank
$0Net charge-offs
$3,782Cash dividends
$1,632Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.75%Yield on earning assets
1.26%Cost of funding earning assets
3.49%Net interest margin
1.11%Noninterest income to earning assets
3.37%Noninterest expense to earning assets
0.60%Net operating income to assets
0.63%Return on assets (ROA)
0.91%Pretax return on assets
6.55%Return on equity (ROE)
6.55%Retained earnings to average equity (YTD only)
0.50%Net charge-offs to loans
87.01%Credit loss provision to net charge-offs
4.04%Efficiency ratio
71,177Assets per employee
3.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.43%Loss allowance to noncurrent loans
86.59%Noncurrent assets plus other real estate owned to assets
2.15%Noncurrent loans to loans
1.65%Net loans and leases to deposits
68.94%Net loans and leases to core deposits
72.26%Equity capital to assets
10.39%Core capital (leverage) ratio
9.27%Tier 1 risk-based capital ratio
15.12%Total risk-based capital ratio
Memoranda
$16Average assets
$602,162Average earning assets
$57,777Average equity
$536,879Average loans

List of branches

11 South Carolina Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	56126	First Community Bank, National Association	5455 Sunset Boulevard, Lexington, SC 29072	August 17, 1995	Full Service Brick and Mortar
1	290326	Forest Achres Branch	4404 Forest Drive, Columbia, SC 29206	September 14, 1995	Full Service Brick and Mortar
2	290327	Irmo Branch	1030 Lake Murray Boulevard, Irmo, SC 29063	March 29, 1999	Full Service Brick and Mortar
3	290328	Cayce/West Columbia Branch	506 Meeting Street, West Columbia, SC 29169	November 15, 1999	Full Service Brick and Mortar
4	357060	Gilbert Branch	4325 Augusta Hwy, Gilbert, SC 29054	March 27, 2000	Full Service Brick and Mortar
5	275488	Chapin Branch	127 Amicks Ferry Road, Chapin, SC 29036	June 30, 1987	Full Service Brick and Mortar
6	428043	Northeast Branch	9822 Two Notch Road, Columbia, SC 29223	April 15, 2004	Full Service Brick and Mortar
7	42388	Newberry Federal Savings Bank Branch	1735 Wilson Road, Newberry, SC 29108	November 11, 1935	Full Service Brick and Mortar
9	275489	101 N Wheeler Street Branch	101 N Wheeler Street, Prosperity, SC 29127	June 30, 1989	Full Service Brick and Mortar
10	437133	Red Bank Branch	1449 Two Notch Road, Lexington, SC 29073	Febuary 03, 2005	Full Service Brick and Mortar
11	81675	The Bank Of Camden Branch	631 W. Dekalb Street, Camden, SC 29020	Febuary 20, 2001	Full Service Brick and Mortar

First Community Bank, National Association in Lexington, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank, National Association - 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, National Association in Lexington, South Carolina (SC)Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank, National Association - 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, National Association in Lexington, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches