First Community Bank in city_name, state_name - Detailed Financial Reports, Location

First Community Bank in Glasgow, Montana (MT)
Show street view No street view available for this location

First Community Bank routing number info

First Community Bank - Overview

General
FDIC Certificate #: 2176
Status: Active
Federal Reserve ID: 642857
Bank Holding Company (Regulatory Top Holder): First Community Bancorp, Inc. (RSSDID: 2252009, Location: Glasgow, MT)
Date Established: January 01, 1891
WWW: http://www.fcbank.net
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 8 (Domestic: 8, Interstate: No)
FDIC's unique #: 1440
Numeric code: 13
Regulator: FED
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: January 01, 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: 540 Second Avenue South, Glasgow, MT 59230
County: Valley
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: San Francisco
FDIC Field Office: Billings
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $226.5 mil
Equity capital: $20.6 mil
Deposits held in domestic offices: $195.1 mil
Return on assets (ROA): 0.40% ($0.9 mil)
Quarterly return on assets: -0.53% (-$1.2 mil)
Return on Equity (ROE): 4.34% ($0.9 mil)
Quarterly return on equity: -5.66% (-$1.2 mil)
Net income: $0.9 mil
Quarterly Net income: -$0.3 mil
Pretax return on assets: 0.54% ($1,223.3 mil)
Quarterly Pretax return on assets: -1.13% (-$2,559.9 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
76Total employees (full-time equivalent)
$226,542Total assets
$29,163Cash and due from depository institutions
$23,172Interest-bearing balances
$59,234Securities
$0Federal funds sold & reverse repurchase agreements
$124,306Net loans & leases
$2,503Loan loss allowance
$0Trading account assets
$4,116Bank premises and fixed assets
$603Other real estate owned
$905Goodwill and other intangibles
$226,542Life insurance assets
$8,215All other assets
$205,923Total liabilities and capital
$195,119Total liabilities
$143,440Total deposits
$195,119Interest-bearing deposits
$94Deposits held in domestic offices
10236.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$568Subordinated debt
$20,619All other liabilities
$20,619Total equity capital
$20,619Total bank equity capital
$0Perpetual preferred stock
$3,700Common stock
$11,300Surplus
$5,619Undivided profits
Memoranda
$0Noncurrent loans and leases
$2,533Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,024Income earned, not collected on loans
$142Earning assets
$1,909Long-term assets (5+ years)
$206,712Average Assets, year-to-date
$82,958Average Assets, quarterly
$217,383Volatile liabilities
$221,679Insider loans
$141,698FHLB advances
$222,960Loans and leases held for sale
$4,326Unused loan commitments
$3,285Tier 1 (core) risk-based capital
$18,958Tier 2 risk-based capital
$0Total risk weighted assets
$1,041Total unused commitments
$22,877Restructured Loans and leases
$624Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,436Total interest income
$1,239Total interest expense
$8,197Net interest income
$2,460Provision for loan and lease losses
$2,450Total noninterest income
$0Fiduciary activities
$463Service charges on deposit accounts
$0Trading account gains & fees
$1,987Additional noninterest income
$7,017Total noninterest expense
$4,307Salaries and employee benefits
$706Premises and equipment expense
$2,004Additional noninterest expense
$1,170Pre-tax net operating income
$0Securities gains (losses)
$301Applicable income taxes
$869Income before extraordinary items
$0Extraordinary gains - net
$869Net income attributable to bank
$0Net charge-offs
$869Cash dividends
$2,987Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.80%Yield on earning assets
0.63%Cost of funding earning assets
4.17%Net interest margin
1.25%Noninterest income to earning assets
3.57%Noninterest expense to earning assets
0.40%Net operating income to assets
0.40%Return on assets (ROA)
0.54%Pretax return on assets
4.34%Return on equity (ROE)
4.34%Retained earnings to average equity (YTD only)
2.21%Net charge-offs to loans
82.36%Credit loss provision to net charge-offs
1.22%Efficiency ratio
65,906Assets per employee
2.98%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.97%Loss allowance to noncurrent loans
41.55%Noncurrent assets plus other real estate owned to assets
2.93%Noncurrent loans to loans
4.75%Net loans and leases to deposits
63.71%Net loans and leases to core deposits
68.60%Equity capital to assets
9.10%Core capital (leverage) ratio
8.50%Tier 1 risk-based capital ratio
13.38%Total risk-based capital ratio
Memoranda
$15Average assets
$217,383Average earning assets
$20,042Average equity
$196,644Average loans

List of branches

8 Montana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	1440	First Community Bank	540 Second Avenue South, Glasgow, MT 59230	January 01, 1891	Full Service Brick and Mortar
1	1447	Hinsdale Branch	204 Montana St, Hinsdale, MT 59241	October 20, 1916	Full Service Brick and Mortar
2	11362	Wolf Point Branch	215 3rd Ave S, Wolf Point, MT 59201	September 01, 1954	Full Service Brick and Mortar
3	276	Culbertson Branch	Broadway Avenue, Culbertson, MT 59218	January 01, 1926	Full Service Brick and Mortar
4	14162	Ashland Branch	300 Main St, Ashland, MT 59003	October 13, 1971	Full Service Brick and Mortar
5	7563	Froid Branch	109 Main Street, Froid, MT 59226	August 11, 1911	Full Service Brick and Mortar
6	364403	Three Forks Branch	120 So Montana Street, Three Forks, MT 59752	January 28, 2002	Full Service Brick and Mortar
7	442232	Helena Branch	2987 Prospect Ave, Helena, MT 59601	June 27, 2005	Full Service Brick and Mortar

First Community Bank in Glasgow, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank - 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 in Glasgow, Montana (MT)Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank - 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 in Glasgow, Montana (MT)
Overview, Financial Summary, Detailed Financial Reports, Branches