First Community Bank of Bedford County in city_name, state_name

First Community Bank of Bedford County in Shelbyville, Tennessee (TN)
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First Community Bank of Bedford County routing number info

First Community Bank of Bedford County - Overview

General
FDIC Certificate #: 27211
Status: Active
Federal Reserve ID: 1188772
Bank Holding Company (Regulatory Top Holder): First Community Bancorp, Inc. (RSSDID: 2016340, Location: Shelbyville, TN)
Date Established: April 01, 1988
WWW: http://www.firstcommunitybanker.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 11231
FDIC's unique #: 39116
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: All Other Specialization < 1 Billion
Date of Deposit Insurance: April 01, 1988
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: 207 Elm Street, Shelbyville, TN 37160
County: Bedford
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Nashville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Shelbyville, TN (#43180)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $319.3 mil
Equity capital: $40.3 mil
Deposits held in domestic offices: $240.1 mil
Return on assets (ROA): 1.29% ($4.1 mil)
Quarterly return on assets: 1.30% ($4.1 mil)
Return on Equity (ROE): 10.77% ($4.3 mil)
Quarterly return on equity: 10.48% ($4.2 mil)
Net income: $4.1 mil
Quarterly Net income: $1.0 mil
Pretax return on assets: 1.78% ($5,683.7 mil)
Quarterly Pretax return on assets: 1.80% ($5,747.5 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
206Total employees (full-time equivalent)
$319,308Total assets
$10,689Cash and due from depository institutions
$2,317Interest-bearing balances
$79,492Securities
$0Federal funds sold & reverse repurchase agreements
$202,426Net loans & leases
$2,955Loan loss allowance
$0Trading account assets
$9,535Bank premises and fixed assets
$2,676Other real estate owned
$236Goodwill and other intangibles
$319,308Life insurance assets
$14,254All other assets
$278,975Total liabilities and capital
$240,099Total liabilities
$213,930Total deposits
$240,099Interest-bearing deposits
$91Deposits held in domestic offices
6293.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$25,306Trading liabilities
$0Other borrowed funds
$7,277Subordinated debt
$40,333All other liabilities
$40,333Total equity capital
$40,333Total bank equity capital
$0Perpetual preferred stock
$339Common stock
$2,582Surplus
$37,412Undivided profits
Memoranda
$0Noncurrent loans and leases
$63,779Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,152Income earned, not collected on loans
$0Earning assets
$1,617Long-term assets (5+ years)
$284,235Average Assets, year-to-date
$78,029Average Assets, quarterly
$320,107Volatile liabilities
$322,773Insider loans
$242,235FHLB advances
$334,252Loans and leases held for sale
$6,274Unused loan commitments
$4,682Tier 1 (core) risk-based capital
$37,120Tier 2 risk-based capital
$0Total risk weighted assets
$1,592Total unused commitments
$36,925Restructured Loans and leases
$9,052Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$14,115Total interest income
$4,201Total interest expense
$9,914Net interest income
$998Provision for loan and lease losses
$13,896Total noninterest income
$0Fiduciary activities
$907Service charges on deposit accounts
$0Trading account gains & fees
$12,989Additional noninterest income
$17,665Total noninterest expense
$10,586Salaries and employee benefits
$1,552Premises and equipment expense
$5,527Additional noninterest expense
$5,147Pre-tax net operating income
$555Securities gains (losses)
$1,582Applicable income taxes
$4,120Income before extraordinary items
$0Extraordinary gains - net
$4,120Net income attributable to bank
$0Net charge-offs
$4,120Cash dividends
$715Sale, conversion, retirement of capital stock, net
$1,521Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.03%Yield on earning assets
1.50%Cost of funding earning assets
3.53%Net interest margin
4.95%Noninterest income to earning assets
6.29%Noninterest expense to earning assets
1.16%Net operating income to assets
1.29%Return on assets (ROA)
1.78%Pretax return on assets
10.77%Return on equity (ROE)
6.80%Retained earnings to average equity (YTD only)
0.37%Net charge-offs to loans
139.58%Credit loss provision to net charge-offs
8.59%Efficiency ratio
74,192Assets per employee
1.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
36.92%Loss allowance to loans
1.44%Loss allowance to noncurrent loans
137.31%Noncurrent assets plus other real estate owned to assets
1.51%Noncurrent loans to loans
1.05%Net loans and leases to deposits
84.31%Net loans and leases to core deposits
94.79%Equity capital to assets
12.63%Core capital (leverage) ratio
11.11%Tier 1 risk-based capital ratio
15.32%Total risk-based capital ratio
Memoranda
$17Average assets
$320,107Average earning assets
$38,241Average equity
$280,728Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$1,819Managed Assets
1Number of Accounts
$1,819Personal trust and agency accounts
$1,819Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
3Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

4 Tennessee Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	39116	First Community Bank Of Bedford Coun	207 Elm Street, Shelbyville, TN 37160	April 01, 1988	Full Service Brick and Mortar
1	261400	Madison Street Branch	1051 Madison Street, Shelbyville, TN 37160	November 03, 1993	Limited Service Facility
3	363573	Lynchburg Branch	535 Majors Blvd., Lynchburg, TN 37352	April 15, 2002	Full Service Brick and Mortar
4	485246	Airport Park Branch	2841 Highway 231 North, Shelbyville, TN 37160	December 08, 2008	Limited Service Facility

First Community Bank of Bedford County in Shelbyville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank of Bedford County - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Community Bank of Bedford County in Shelbyville, Tennessee (TN)Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank of Bedford County - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Community Bank of Bedford County in Shelbyville, Tennessee (TN)
Overview, Financial Summary, Detailed Financial Reports, Branches