First Community Bank in Whitehall, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Community Bank in Whitehall, Ohio (OH)
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First Community Bank - Overview

  • General
  • FDIC Certificate #: 17520
    Status: Active
    Federal Reserve ID: 453026
    Date Established: Febuary 12, 1903
    WWW: http://www.firstcommunitybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 11029
    FDIC's unique #: 11500
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 28, 1955
    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: 4300 East Broad Street, Whitehall, OH 43213
    County: Franklin
    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): Columbus, OH (#1840)
    Combined Statistical Area (CSA): Columbus-Marion-Chillicothe, OH (#198)
    Core Based Statistical Area (CBSA): Columbus, OH (#18140)
    CBSA Metro Statistical Area: Columbus, OH (#18140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $114.0 mil
    Equity capital: $12.4 mil
    Deposits held in domestic offices: $97.2 mil
    Return on assets (ROA): 0.08% ($0.1 mil)
    Quarterly return on assets: 0.05% ($0.1 mil)
    Return on Equity (ROE): 0.81% ($0.1 mil)
    Quarterly return on equity: 0.49% ($0.1 mil)
    Net income: $0.1 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.08% ($91.2 mil)
    Quarterly Pretax return on assets: 0.05% ($57.0 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
  • 33Total employees (full-time equivalent)
  • $113,974Total assets
  • $8,328Cash and due from depository institutions
  • $7,635Interest-bearing balances
  • $20,561Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $80,267Net loans & leases
  • $1,405Loan loss allowance
  • $0Trading account assets
  • $1,819Bank premises and fixed assets
  • $872Other real estate owned
  • $0Goodwill and other intangibles
  • $113,974Life insurance assets
  • $1,627All other assets
  • $101,526Total liabilities and capital
  • $97,192Total liabilities
  • $90,199Total deposits
  • $97,192Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $334Subordinated debt
  • $12,448All other liabilities
  • $12,448Total equity capital
  • $12,448Total bank equity capital
  • $0Perpetual preferred stock
  • $251Common stock
  • $612Surplus
  • $11,585Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,711Income earned, not collected on loans
  • $0Earning assets
  • $463Long-term assets (5+ years)
  • $108,963Average Assets, year-to-date
  • $26,290Average Assets, quarterly
  • $115,665Volatile liabilities
  • $114,975Insider loans
  • $76,295FHLB advances
  • $114,558Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,464Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,339Restructured Loans and leases
  • $3,021Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,163Total interest income
  • $1,864Total interest expense
  • $4,299Net interest income
  • $1,390Provision for loan and lease losses
  • $196Total noninterest income
  • $0Fiduciary activities
  • $75Service charges on deposit accounts
  • $0Trading account gains & fees
  • $121Additional noninterest income
  • $3,105Total noninterest expense
  • $1,893Salaries and employee benefits
  • $499Premises and equipment expense
  • $713Additional noninterest expense
  • $0Pre-tax net operating income
  • $98Securities gains (losses)
  • $0Applicable income taxes
  • $98Income before extraordinary items
  • $0Extraordinary gains - net
  • $98Net income attributable to bank
  • $0Net charge-offs
  • $98Cash dividends
  • $1,759Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.58%Yield on earning assets
  • 1.69%Cost of funding earning assets
  • 3.89%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 2.81%Noninterest expense to earning assets
  • 0.00%Net operating income to assets
  • 0.08%Return on assets (ROA)
  • 0.08%Pretax return on assets
  • 0.81%Return on equity (ROE)
  • 0.81%Retained earnings to average equity (YTD only)
  • 2.06%Net charge-offs to loans
  • 79.02%Credit loss provision to net charge-offs
  • 0.79%Efficiency ratio
  • 69,077Assets per employee
  • 3.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.72%Loss allowance to noncurrent loans
  • 51.83%Noncurrent assets plus other real estate owned to assets
  • 3.14%Noncurrent loans to loans
  • 3.32%Net loans and leases to deposits
  • 82.59%Net loans and leases to core deposits
  • 83.64%Equity capital to assets
  • 10.92%Core capital (leverage) ratio
  • 10.01%Tier 1 risk-based capital ratio
  • 15.03%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $115,665Average earning assets
  • $12,026Average equity
  • $110,504Average loans

List of branches

  • 4 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011500First Community Bank4300 East Broad Street, Whitehall, OH 43213Febuary 12, 1903Full Service Brick and Mortar
    1241925Main Street BranchMain And Federal Streets, Midway, OH 43151October 07, 1980Full Service Brick and Mortar
    2241926Bethel Road Branch2121 Bethel Road, Columbus, OH 43220June 01, 1986Full Service Brick and Mortar
    3466431Short North Branch647 N. High St, Columbus, OH 43215May 14, 2007Full Service Brick and Mortar

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