First Community Bank of Western Kentucky, Inc. in city_name, state_name

First Community Bank of Western Kentucky, Inc. in Clinton, Kentucky (KY)
Show street view No street view available for this location

First Community Bank of Western Kentucky, Inc. routing number info

Other nearby banks
Clinton Bank
Citizens Deposit Bank of Arlington, Inc.
The Citizens Bank
FNB Bank, Inc.
First Kentucky Bank, Inc.
The Kevil Bank

First Community Bank of Western Kentucky, Inc. - Overview

General
FDIC Certificate #: 14735
Status: Active
Federal Reserve ID: 837149
Bank Holding Company (Regulatory Top Holder): First Trust Financial Corporation (RSSDID: 2156451, Location: Clinton, KY)
Date Established: January 01, 1934
WWW: http://www.fcbwky.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)
OTS Docket #: 9522
FDIC's unique #: 9216
Numeric code: 21
Regulator: FDIC
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: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: September 10, 1934
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: 114 East Jackson Street, Clinton, KY 42031
County: Hickman
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Hopkinsville
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Southeast
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $79.4 mil
Equity capital: $10.4 mil
Deposits held in domestic offices: $64.8 mil
Return on assets (ROA): 1.19% ($0.9 mil)
Quarterly return on assets: 0.60% ($0.5 mil)
Return on Equity (ROE): 9.01% ($0.9 mil)
Quarterly return on equity: 4.49% ($0.4 mil)
Net income: $0.9 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.73% ($1,374.1 mil)
Quarterly Pretax return on assets: 1.11% ($881.7 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
23Total employees (full-time equivalent)
$79,428Total assets
$2,851Cash and due from depository institutions
$350Interest-bearing balances
$13,552Securities
$578Federal funds sold & reverse repurchase agreements
$57,624Net loans & leases
$589Loan loss allowance
$0Trading account assets
$983Bank premises and fixed assets
$369Other real estate owned
$513Goodwill and other intangibles
$79,429Life insurance assets
$2,958All other assets
$69,043Total liabilities and capital
$64,841Total liabilities
$57,112Total deposits
$64,841Interest-bearing deposits
$92Deposits held in domestic offices
450.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,308Trading liabilities
$0Other borrowed funds
$444Subordinated debt
$10,386All other liabilities
$10,386Total equity capital
$10,386Total bank equity capital
$0Perpetual preferred stock
$450Common stock
$460Surplus
$9,476Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$647Income earned, not collected on loans
$269Earning assets
$1,058Long-term assets (5+ years)
$72,104Average Assets, year-to-date
$26,923Average Assets, quarterly
$76,822Volatile liabilities
$78,402Insider loans
$65,607FHLB advances
$78,392Loans and leases held for sale
$1,188Unused loan commitments
$1,188Tier 1 (core) risk-based capital
$9,633Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$6,904Restructured Loans and leases
$369Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,086Total interest income
$762Total interest expense
$3,324Net interest income
$100Provision for loan and lease losses
$499Total noninterest income
$0Fiduciary activities
$340Service charges on deposit accounts
$0Trading account gains & fees
$159Additional noninterest income
$2,445Total noninterest expense
$1,192Salaries and employee benefits
$290Premises and equipment expense
$963Additional noninterest expense
$1,278Pre-tax net operating income
$48Securities gains (losses)
$409Applicable income taxes
$917Income before extraordinary items
$0Extraordinary gains - net
$917Net income attributable to bank
$0Net charge-offs
$917Cash dividends
$99Sale, conversion, retirement of capital stock, net
$676Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.82%Yield on earning assets
1.09%Cost of funding earning assets
4.74%Net interest margin
0.71%Noninterest income to earning assets
3.48%Noninterest expense to earning assets
1.15%Net operating income to assets
1.19%Return on assets (ROA)
1.73%Pretax return on assets
9.01%Return on equity (ROE)
2.37%Retained earnings to average equity (YTD only)
0.17%Net charge-offs to loans
101.01%Credit loss provision to net charge-offs
13.92%Efficiency ratio
63,955Assets per employee
3.45%Cash dividends to net income (YTD only)
Condition Ratios (%)
73.72%Loss allowance to loans
1.01%Loss allowance to noncurrent loans
91.04%Noncurrent assets plus other real estate owned to assets
1.28%Noncurrent loans to loans
1.11%Net loans and leases to deposits
88.87%Net loans and leases to core deposits
104.37%Equity capital to assets
13.08%Core capital (leverage) ratio
12.29%Tier 1 risk-based capital ratio
14.68%Total risk-based capital ratio
Memoranda
$16Average assets
$76,822Average earning assets
$10,177Average equity
$70,161Average loans

List of branches

2 Kentucky Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	9216	First Community Bank Of Western Kentucky, Inc.	114 East Jackson Street, Clinton, KY 42031	January 01, 1934	Full Service Brick and Mortar
5	451474	Fancy Farm Banking Center Branch	10308 State Route 80 West, Fancy Farm, KY 42039	August 01, 2005	Full Service Brick and Mortar

First Community Bank of Western Kentucky, Inc. in Clinton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank of Western Kentucky, Inc. - 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 of Western Kentucky, Inc. in Clinton, Kentucky (KY)Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank of Western Kentucky, Inc. - 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 of Western Kentucky, Inc. in Clinton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches