1st National Community Bank in East Liverpool, Ohio (OH), PA, WV
Overview, Financial Summary, Detailed Financial Reports, Branches


1st National Community Bank - Overview

  • General
  • FDIC Certificate #: 26977
    Status: Active
    Federal Reserve ID: 1000511
    Bank Holding Company (Regulatory Top Holder): Tri-State 1st Banc, Inc. (RSSDID: 2421896, Location: East Liverpool, OH)
    Date Established: June 01, 1987
    WWW: http://www.1stncb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: Yes)
    OTS Docket #: 10790
    FDIC's unique #: 36392
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: June 01, 1987
    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: 16924 St. Clair Avenue, East Liverpool, OH 43920
    County: Columbiana
    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
    Metropolitan Statistical Area (MSA): Youngstown-Warren, OH (#9320)
    Combined Statistical Area (CSA): Youngstown-Warren-East Liverpool, OH-PA (#566)
    Core Based Statistical Area (CBSA): East Liverpool-Salem, OH (#20620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $130.2 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $103.2 mil
    Return on assets (ROA): 0.63% ($0.8 mil)
    Quarterly return on assets: 0.70% ($0.9 mil)
    Return on Equity (ROE): 6.63% ($0.9 mil)
    Quarterly return on equity: 7.10% ($0.9 mil)
    Net income: $0.8 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.67% ($872.3 mil)
    Quarterly Pretax return on assets: 0.78% ($1,015.5 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
  • 55Total employees (full-time equivalent)
  • $130,195Total assets
  • $3,644Cash and due from depository institutions
  • $1,466Interest-bearing balances
  • $52,657Securities
  • $5,721Federal funds sold & reverse repurchase agreements
  • $60,316Net loans & leases
  • $1,225Loan loss allowance
  • $0Trading account assets
  • $3,069Bank premises and fixed assets
  • $321Other real estate owned
  • $0Goodwill and other intangibles
  • $130,195Life insurance assets
  • $4,467All other assets
  • $117,306Total liabilities and capital
  • $103,223Total liabilities
  • $65,282Total deposits
  • $103,223Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 11496.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $587Subordinated debt
  • $12,889All other liabilities
  • $12,889Total equity capital
  • $12,889Total bank equity capital
  • $0Perpetual preferred stock
  • $2,584Common stock
  • $2,611Surplus
  • $7,694Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,931Income earned, not collected on loans
  • $776Earning assets
  • $589Long-term assets (5+ years)
  • $120,160Average Assets, year-to-date
  • $52,751Average Assets, quarterly
  • $127,615Volatile liabilities
  • $129,982Insider loans
  • $68,276FHLB advances
  • $133,229Loans and leases held for sale
  • $2,907Unused loan commitments
  • $2,907Tier 1 (core) risk-based capital
  • $11,869Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,385Restructured Loans and leases
  • $2,485Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,023Total interest income
  • $715Total interest expense
  • $4,308Net interest income
  • $328Provision for loan and lease losses
  • $1,662Total noninterest income
  • $86Fiduciary activities
  • $953Service charges on deposit accounts
  • $0Trading account gains & fees
  • $623Additional noninterest income
  • $4,823Total noninterest expense
  • $2,395Salaries and employee benefits
  • $647Premises and equipment expense
  • $1,781Additional noninterest expense
  • $819Pre-tax net operating income
  • $42Securities gains (losses)
  • $63Applicable income taxes
  • $798Income before extraordinary items
  • $0Extraordinary gains - net
  • $798Net income attributable to bank
  • $0Net charge-offs
  • $798Cash dividends
  • $231Sale, conversion, retirement of capital stock, net
  • $120Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.70%Net interest margin
  • 1.43%Noninterest income to earning assets
  • 4.15%Noninterest expense to earning assets
  • 0.59%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 6.63%Return on equity (ROE)
  • 5.63%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 141.99%Credit loss provision to net charge-offs
  • 4.97%Efficiency ratio
  • 80,787Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.04%Loss allowance to loans
  • 1.99%Loss allowance to noncurrent loans
  • 63.44%Noncurrent assets plus other real estate owned to assets
  • 1.73%Noncurrent loans to loans
  • 3.14%Net loans and leases to deposits
  • 58.43%Net loans and leases to core deposits
  • 64.35%Equity capital to assets
  • 9.90%Core capital (leverage) ratio
  • 8.91%Tier 1 risk-based capital ratio
  • 17.38%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $127,615Average earning assets
  • $12,034Average equity
  • $116,294Average 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
  • $71,558Managed Assets
  • 1Number 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
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 18Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $71,558Other retirement accounts
  • $17,076Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0363921st National Community Bank16924 St. Clair Avenue, East Liverpool, OH 43920June 01, 1987Full Service Brick and Mortar
    2260571Calcutta Office Branch15703 State Route 170, East Liverpool, OH 43920January 02, 1991Full Service Brick and Mortar
    3260572Lisbon Branch131-137 East Lincoln Way, Lisbon, OH 44432January 03, 1994Full Service Brick and Mortar
    7359692East Liverpool Branch619 Bradshaw Avenue, East Liverpool, OH 43920March 22, 2001Full Service Brick and Mortar
  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    6260574Midland Branch629 Midland Avenue, Midland, PA 15059November 26, 1999Full Service Brick and Mortar
  • 1 West Virginia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    4247776New Cumberland Branch1200 North Chester Street, New Cumberland, WV 26047October 04, 1982Full Service Brick and Mortar

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