First Federal Community Bank, National Association in city_name, state_name

First Federal Community Bank, National Association in Dover, Ohio (OH)
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First Federal Community Bank, National Association - Overview

General
FDIC Certificate #: 29787
Status: Active
Federal Reserve ID: 540775
Date Established: January 01, 1898
WWW: http://www.onlinefirstfed.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: 5 (Domestic: 5, Interstate: No)
OTS Docket #: 4088
FDIC's unique #: 42621
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: October 21, 1937
Last Structure Change Effective Date: Febuary 24, 2012
Last Structure Change Process Date: March 08, 2012
Last Data Update: March 08, 2012
Data Source Date: April 05, 2012
Location
Address: 321 North Wooster Avenue, Dover, OH 44622
County: Tuscarawas
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Columbus
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Core Based Statistical Area (CBSA): New Philadelphia-Dover, OH (#35420)
CBSA Micro Statistical Area: Yes
History of Changes
Name Change
Change in Entity Type
Change in Supervisory Agency
Financial Summary
Total assets: $234.7 mil
Equity capital: $19.6 mil
Deposits held in domestic offices: $200.4 mil
Return on assets (ROA): 0.76% ($1.8 mil)
Quarterly return on assets: 0.92% ($2.2 mil)
Return on Equity (ROE): 8.75% ($1.8 mil)
Quarterly return on equity: 10.85% ($2.2 mil)
Net income: $1.7 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.16% ($2,722.0 mil)
Quarterly Pretax return on assets: 1.40% ($3,285.2 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
55Total employees (full-time equivalent)
$234,657Total assets
$22,605Cash and due from depository institutions
$8,523Interest-bearing balances
$12,084Securities
$0Federal funds sold & reverse repurchase agreements
$191,432Net loans & leases
$1,838Loan loss allowance
$0Trading account assets
$3,920Bank premises and fixed assets
$0Other real estate owned
$709Goodwill and other intangibles
$234,657Life insurance assets
$3,907All other assets
$215,039Total liabilities and capital
$200,416Total liabilities
$178,654Total deposits
$200,416Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$12,931Trading liabilities
$0Other borrowed funds
$1,692Subordinated debt
$19,618All other liabilities
$19,618Total equity capital
$19,618Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$6,515Surplus
$13,103Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$782Income earned, not collected on loans
$0Earning assets
$567Long-term assets (5+ years)
$212,039Average Assets, year-to-date
$0Average Assets, quarterly
$219,810Volatile liabilities
$229,932Insider loans
$174,338FHLB advances
$234,545Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$19,544Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$46,122Restructured Loans and leases
$5,234Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,788Total interest income
$2,647Total interest expense
$8,141Net interest income
$720Provision for loan and lease losses
$1,208Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$1,208Additional noninterest income
$6,083Total noninterest expense
$3,143Salaries and employee benefits
$1,689Premises and equipment expense
$1,251Additional noninterest expense
$2,546Pre-tax net operating income
$0Securities gains (losses)
$871Applicable income taxes
$1,675Income before extraordinary items
$0Extraordinary gains - net
$1,675Net income attributable to bank
$0Net charge-offs
$1,675Cash dividends
$428Sale, conversion, retirement of capital stock, net
$905Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.32%Yield on earning assets
1.30%Cost of funding earning assets
4.01%Net interest margin
0.60%Noninterest income to earning assets
3.00%Noninterest expense to earning assets
0.76%Net operating income to assets
0.76%Return on assets (ROA)
1.16%Pretax return on assets
8.75%Return on equity (ROE)
4.02%Retained earnings to average equity (YTD only)
0.23%Net charge-offs to loans
168.22%Credit loss provision to net charge-offs
7.63%Efficiency ratio
65,066Assets per employee
4.27%Cash dividends to net income (YTD only)
Condition Ratios (%)
54.03%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
235.04%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.40%Net loans and leases to deposits
95.52%Net loans and leases to core deposits
101.55%Equity capital to assets
8.36%Core capital (leverage) ratio
8.33%Tier 1 risk-based capital ratio
11.21%Total risk-based capital ratio
Memoranda
$12Average assets
$219,810Average earning assets
$19,143Average equity
$202,876Average loans

List of branches

5 Ohio Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	42621	First Federal Community Bank, National Association	321 North Wooster Avenue, Dover, OH 44622	January 01, 1898	Full Service Brick and Mortar
1	277167	West High Avenue Branch	244 West High Avenue, New Philadelphia, OH 44663	June 30, 1998	Full Service Brick and Mortar
3	463794	Dover Branch	902 Boulevard Avenue, Dover, OH 44622	July 05, 2002	Full Service Brick and Mortar
4	463795	Sugarcreek Branch	1047 West Main Street, Suite C, Sugarcreek, OH 44681	November 18, 2005	Full Service Brick and Mortar
5	518092	Berlin Branch	4737 Us Highway 62, Berlin, OH 44610	August 01, 2009	Full Service Brick and Mortar

First Federal Community Bank, National Association in Dover, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal 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 Federal Community Bank, National Association in Dover, Ohio (OH)Overview, Financial Summary, Detailed Financial Reports, Branches

First Federal 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 Federal Community Bank, National Association in Dover, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches