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

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
    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
  • NoIDNameAddressEstablishedService TypeMap
    03143First Community Bank715 Merchant Street, Emporia, KS 66801August 09, 1900Full Service Brick and Mortar
    2204039Madison BranchSouth Third And West Sherman, Madison, KS 66860October 10, 1989Full Service Brick and Mortar
    4414702160 W Hwy 50 Branch2160 West Highway 50, Emporia, KS 66801January 01, 1927Full Service Brick and Mortar

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