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

First Community Bank, Xenia-Flora in Xenia, Illinois (IL)
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First Community Bank, Xenia-Flora routing number info

First Community Bank, Xenia-Flora - Overview

General
FDIC Certificate #: 3850
Status: Active
Federal Reserve ID: 242
Bank Holding Company (Regulatory Top Holder): First Community Bancshares (RSSDID: 3088643, Location: Xenia, IL)
Date Established: January 01, 1922
WWW: http://www.fcbxeniaflora.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 12627
FDIC's unique #: 2505
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
Location
Address: 260 Front Street, Xenia, IL 62899
County: Clay
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of Changes
Change in Location
Financial Summary
Total assets: $35.2 mil
Equity capital: $4.7 mil
Deposits held in domestic offices: $25.2 mil
Return on assets (ROA): 1.39% ($0.5 mil)
Quarterly return on assets: 1.01% ($0.4 mil)
Return on Equity (ROE): 10.72% ($0.5 mil)
Quarterly return on equity: 7.53% ($0.4 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.41% ($496.6 mil)
Quarterly Pretax return on assets: 1.01% ($355.7 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
12Total employees (full-time equivalent)
$35,222Total assets
$1,671Cash and due from depository institutions
$493Interest-bearing balances
$9,192Securities
$45Federal funds sold & reverse repurchase agreements
$23,484Net loans & leases
$169Loan loss allowance
$0Trading account assets
$280Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$35,222Life insurance assets
$550All other assets
$30,501Total liabilities and capital
$25,225Total liabilities
$19,317Total deposits
$25,225Interest-bearing deposits
$100Deposits held in domestic offices
550.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$4,697Trading liabilities
$0Other borrowed funds
$29Subordinated debt
$4,721All other liabilities
$4,721Total equity capital
$4,721Total bank equity capital
$0Perpetual preferred stock
$120Common stock
$120Surplus
$4,481Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$157Income earned, not collected on loans
$0Earning assets
$228Long-term assets (5+ years)
$33,214Average Assets, year-to-date
$8,749Average Assets, quarterly
$34,425Volatile liabilities
$34,934Insider loans
$35,066FHLB advances
$35,664Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,386Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,576Restructured Loans and leases
$353Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,556Total interest income
$286Total interest expense
$1,270Net interest income
$0Provision for loan and lease losses
$166Total noninterest income
$0Fiduciary activities
$113Service charges on deposit accounts
$0Trading account gains & fees
$53Additional noninterest income
$952Total noninterest expense
$617Salaries and employee benefits
$134Premises and equipment expense
$201Additional noninterest expense
$484Pre-tax net operating income
$0Securities gains (losses)
$6Applicable income taxes
$478Income before extraordinary items
$0Extraordinary gains - net
$478Net income attributable to bank
$0Net charge-offs
$478Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$398Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.77%Yield on earning assets
0.88%Cost of funding earning assets
3.89%Net interest margin
0.51%Noninterest income to earning assets
2.92%Noninterest expense to earning assets
1.39%Net operating income to assets
1.39%Return on assets (ROA)
1.41%Pretax return on assets
10.72%Return on equity (ROE)
1.79%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
66,295Assets per employee
2.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.26%Loss allowance to loans
0.71%Loss allowance to noncurrent loans
107.64%Noncurrent assets plus other real estate owned to assets
0.45%Noncurrent loans to loans
0.66%Net loans and leases to deposits
93.10%Net loans and leases to core deposits
93.10%Equity capital to assets
13.40%Core capital (leverage) ratio
12.30%Tier 1 risk-based capital ratio
12.51%Total risk-based capital ratio
Memoranda
$13Average assets
$34,425Average earning assets
$4,461Average equity
$32,638Average loans

List of branches

2 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	2505	First Community Bank, Xenia-Flora	260 Front Street, Xenia, IL 62899	January 01, 1922	Full Service Brick and Mortar
1	201990	Flora Branch	1400 North State Street, Flora, IL 62839	January 13, 1998	Full Service Brick and Mortar

First Community Bank, Xenia-Flora in Xenia, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank, Xenia-Flora - 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, Xenia-Flora in Xenia, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank, Xenia-Flora - 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, Xenia-Flora in Xenia, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches