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

First Community Bank in Emporia, Kansas (KS)
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First Community Bank routing number info

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First Community Bank - Overview

General
FDIC Certificate #: 4723
Status: Active
Federal Reserve ID: 152851
Bank Holding Company (Regulatory Top Holder): Wc Bancorp, Inc. (RSSDID: 1066245, Location: Emporia, KS)
Date Established: August 09, 1900
WWW: http://www.1stcommbk.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 3 (Domestic: 3, Interstate: No)
FDIC's unique #: 3143
Numeric code: 13
Regulator: FED
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: January 01, 1934
Last Structure Change Effective Date: December 13, 2006
Last Structure Change Process Date: December 14, 2006
Last Data Update: December 14, 2006
Data Source Date: April 05, 2012
Location
Address: 715 Merchant Street, Emporia, KS 66801
County: Lyon
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Wichita
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Emporia, KS (#21380)
CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Change in Location
Financial Summary
Total assets: $48.5 mil
Equity capital: $4.1 mil
Deposits held in domestic offices: $44.4 mil
Return on assets (ROA): 0.34% ($0.2 mil)
Quarterly return on assets: 0.63% ($0.3 mil)
Return on Equity (ROE): 4.36% ($0.2 mil)
Quarterly return on equity: 7.54% ($0.3 mil)
Net income: $0.2 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.35% ($169.9 mil)
Quarterly Pretax return on assets: 0.66% ($320.4 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
16Total employees (full-time equivalent)
$48,540Total assets
$8,319Cash and due from depository institutions
$6,823Interest-bearing balances
$6,836Securities
$8,234Federal funds sold & reverse repurchase agreements
$23,057Net loans & leases
$794Loan loss allowance
$0Trading account assets
$1,157Bank premises and fixed assets
$112Other real estate owned
$121Goodwill and other intangibles
$48,540Life insurance assets
$704All other assets
$44,482Total liabilities and capital
$44,420Total liabilities
$36,836Total deposits
$44,420Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$62Subordinated debt
$4,058All other liabilities
$4,058Total equity capital
$4,058Total bank equity capital
$0Perpetual preferred stock
$150Common stock
$1,015Surplus
$2,893Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$424Income earned, not collected on loans
$0Earning assets
$124Long-term assets (5+ years)
$44,950Average Assets, year-to-date
$3,813Average Assets, quarterly
$50,349Volatile liabilities
$48,353Insider loans
$23,638FHLB advances
$47,779Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,837Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,674Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$1,769Total interest income
$302Total interest expense
$1,467Net interest income
$66Provision for loan and lease losses
$191Total noninterest income
$0Fiduciary activities
$103Service charges on deposit accounts
$0Trading account gains & fees
$88Additional noninterest income
$1,414Total noninterest expense
$624Salaries and employee benefits
$206Premises and equipment expense
$584Additional noninterest expense
$178Pre-tax net operating income
$0Securities gains (losses)
$7Applicable income taxes
$171Income before extraordinary items
$0Extraordinary gains - net
$171Net income attributable to bank
$0Net charge-offs
$171Cash dividends
$103Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
3.87%Yield on earning assets
0.66%Cost of funding earning assets
3.21%Net interest margin
0.42%Noninterest income to earning assets
3.09%Noninterest expense to earning assets
0.34%Net operating income to assets
0.34%Return on assets (ROA)
0.35%Pretax return on assets
4.36%Return on equity (ROE)
4.36%Retained earnings to average equity (YTD only)
0.39%Net charge-offs to loans
64.08%Credit loss provision to net charge-offs
2.37%Efficiency ratio
82,147Assets per employee
3.03%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.33%Loss allowance to noncurrent loans
187.26%Noncurrent assets plus other real estate owned to assets
1.10%Noncurrent loans to loans
1.78%Net loans and leases to deposits
51.91%Net loans and leases to core deposits
52.26%Equity capital to assets
8.36%Core capital (leverage) ratio
8.03%Tier 1 risk-based capital ratio
16.23%Total risk-based capital ratio
Memoranda
$18Average assets
$50,349Average earning assets
$3,924Average equity
$45,711Average loans

List of branches

3 Kansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3143	First Community Bank	715 Merchant Street, Emporia, KS 66801	August 09, 1900	Full Service Brick and Mortar
2	204039	Madison Branch	South Third And West Sherman, Madison, KS 66860	October 10, 1989	Full Service Brick and Mortar
4	41470	2160 W Hwy 50 Branch	2160 West Highway 50, Emporia, KS 66801	January 01, 1927	Full Service Brick and Mortar

First Community Bank in Emporia, Kansas (KS)
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 Emporia, Kansas (KS)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 Emporia, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches