First Community Bank in Hammond, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank - Overview

  • General
  • FDIC Certificate #: 35090
    Status: Active
    Federal Reserve ID: 2875592
    Bank Holding Company (Regulatory Top Holder): First Community Holding Company (RSSDID: 3311640, Location: Hammond, LA)
    Date Established: January 19, 2000
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 74668
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 19, 2000
    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: 600 Southwest Railroad Avenue, Hammond, LA 70403
    County: Tangipahoa
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Baton Rouge
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Hammond, LA (#25220)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $114.4 mil
    Equity capital: $12.7 mil
    Deposits held in domestic offices: $92.4 mil
    Return on assets (ROA): 0.29% ($0.3 mil)
    Quarterly return on assets: 0.18% ($0.2 mil)
    Return on Equity (ROE): 2.65% ($0.3 mil)
    Quarterly return on equity: 1.60% ($0.2 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.44% ($503.4 mil)
    Quarterly Pretax return on assets: 0.28% ($320.3 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
  • 30Total employees (full-time equivalent)
  • $114,398Total assets
  • $9,478Cash and due from depository institutions
  • $7,819Interest-bearing balances
  • $12,754Securities
  • $525Federal funds sold & reverse repurchase agreements
  • $84,241Net loans & leases
  • $1,309Loan loss allowance
  • $0Trading account assets
  • $1,836Bank premises and fixed assets
  • $3,695Other real estate owned
  • $0Goodwill and other intangibles
  • $114,398Life insurance assets
  • $1,869All other assets
  • $101,672Total liabilities and capital
  • $92,357Total liabilities
  • $80,036Total deposits
  • $92,357Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,998Trading liabilities
  • $0Other borrowed funds
  • $317Subordinated debt
  • $12,726All other liabilities
  • $12,726Total equity capital
  • $12,726Total bank equity capital
  • $0Perpetual preferred stock
  • $651Common stock
  • $9,376Surplus
  • $2,699Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,334Income earned, not collected on loans
  • $0Earning assets
  • $347Long-term assets (5+ years)
  • $105,339Average Assets, year-to-date
  • $11,819Average Assets, quarterly
  • $115,511Volatile liabilities
  • $114,441Insider loans
  • $81,506FHLB advances
  • $113,796Loans and leases held for sale
  • $140Unused loan commitments
  • $140Tier 1 (core) risk-based capital
  • $12,715Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,994Restructured Loans and leases
  • $158Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,782Total interest income
  • $1,314Total interest expense
  • $4,468Net interest income
  • $245Provision for loan and lease losses
  • $155Total noninterest income
  • $0Fiduciary activities
  • $199Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$44Additional noninterest income
  • $3,910Total noninterest expense
  • $1,896Salaries and employee benefits
  • $369Premises and equipment expense
  • $1,645Additional noninterest expense
  • $468Pre-tax net operating income
  • $41Securities gains (losses)
  • $175Applicable income taxes
  • $334Income before extraordinary items
  • $0Extraordinary gains - net
  • $334Net income attributable to bank
  • $0Net charge-offs
  • $334Cash dividends
  • $748Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.46%Yield on earning assets
  • 1.24%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.15%Noninterest income to earning assets
  • 3.69%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.29%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 2.65%Return on equity (ROE)
  • 2.65%Retained earnings to average equity (YTD only)
  • 0.89%Net charge-offs to loans
  • 32.75%Credit loss provision to net charge-offs
  • 0.95%Efficiency ratio
  • 84,577Assets per employee
  • 3.81%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 56.08%Noncurrent assets plus other real estate owned to assets
  • 5.27%Noncurrent loans to loans
  • 2.73%Net loans and leases to deposits
  • 91.21%Net loans and leases to core deposits
  • 94.04%Equity capital to assets
  • 11.12%Core capital (leverage) ratio
  • 11.17%Tier 1 risk-based capital ratio
  • 15.60%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $115,511Average earning assets
  • $12,611Average equity
  • $105,833Average loans

List of branches

  • 2 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    074668First Community Bank600 Southwest Railroad Avenue, Hammond, LA 70403January 19, 2000Full Service Brick and Mortar
    1438744Mandeville Branch4892 Louisiana Highway 22, Mandeville, LA 70471Febuary 28, 2005Full Service Brick and Mortar

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