First Community Bank in Santa Rosa, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Community Bank in Santa Rosa, California (CA)
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First Community Bank - Overview

  • General
  • FDIC Certificate #: 57903
    Status: Active
    Federal Reserve ID: 3232204
    Bank Holding Company (Regulatory Top Holder): First Community Holdings (RSSDID: 3602245, Location: Santa Rosa, CA)
    Date Established: January 28, 2005
    WWW: http://www.fcbconnect.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 429969
    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: January 28, 2005
    Last Structure Change Effective Date: May 26, 2009
    Last Structure Change Process Date: May 26, 2009
    Last Data Update: May 26, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 438 First Street, Santa Rosa, CA 95404
    County: Sonoma
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: San Francisco
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Santa Rosa, CA (#7500)
    Consolidated Metropolitan Statistical Area (CMSA): San Francisco-Oakland-San Jose, CA (#84)
    Combined Statistical Area (CSA): San Jose-San Francisco-Oakland, CA (#488)
    Core Based Statistical Area (CBSA): Santa Rosa-Petaluma, CA (#42220)
    CBSA Metro Statistical Area: Santa Rosa-Petaluma, CA (#42220)
  • Financial Summary
  • Total assets: $675.7 mil
    Equity capital: $61.3 mil
    Deposits held in domestic offices: $553.9 mil
    Return on assets (ROA): -2.73% (-$18.5 mil)
    Quarterly return on assets: 0.18% ($1.2 mil)
    Return on Equity (ROE): -30.66% (-$18.7 mil)
    Quarterly return on equity: 2.07% ($1.3 mil)
    Net income: -$19.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: -2.73% (-$18,446.4 mil)
    Quarterly Pretax return on assets: 0.60% ($4,054.2 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
  • 84Total employees (full-time equivalent)
  • $675,692Total assets
  • $137,187Cash and due from depository institutions
  • $127,810Interest-bearing balances
  • $15,782Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $484,904Net loans & leases
  • $23,754Loan loss allowance
  • $0Trading account assets
  • $1,320Bank premises and fixed assets
  • $25,816Other real estate owned
  • $609Goodwill and other intangibles
  • $675,692Life insurance assets
  • $10,074All other assets
  • $614,384Total liabilities and capital
  • $553,930Total liabilities
  • $525,011Total deposits
  • $553,930Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 2122.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $56,330Trading liabilities
  • $0Other borrowed funds
  • $2,002Subordinated debt
  • $61,308All other liabilities
  • $61,308Total equity capital
  • $61,308Total bank equity capital
  • $0Perpetual preferred stock
  • $73,491Common stock
  • $19,082Surplus
  • $-31,265Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $51,473Income earned, not collected on loans
  • $2,416Earning assets
  • $2,355Long-term assets (5+ years)
  • $628,496Average Assets, year-to-date
  • $181,400Average Assets, quarterly
  • $712,459Volatile liabilities
  • $686,693Insider loans
  • $504,885FHLB advances
  • $668,411Loans and leases held for sale
  • $104Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $61,215Tier 2 risk-based capital
  • $104Total risk weighted assets
  • $0Total unused commitments
  • $35,831Restructured Loans and leases
  • $18,473Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $29,534Total interest income
  • $7,133Total interest expense
  • $22,401Net interest income
  • $26,304Provision for loan and lease losses
  • -$1,623Total noninterest income
  • $0Fiduciary activities
  • $424Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$2,047Additional noninterest income
  • $13,952Total noninterest expense
  • $6,531Salaries and employee benefits
  • $1,468Premises and equipment expense
  • $5,953Additional noninterest expense
  • -$19,478Pre-tax net operating income
  • $0Securities gains (losses)
  • $2Applicable income taxes
  • -$19,480Income before extraordinary items
  • $0Extraordinary gains - net
  • -$19,480Net income attributable to bank
  • $0Net charge-offs
  • -$19,480Cash dividends
  • $18,776Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.38%Net interest margin
  • -0.24%Noninterest income to earning assets
  • 2.10%Noninterest expense to earning assets
  • -2.73%Net operating income to assets
  • -2.73%Return on assets (ROA)
  • -2.73%Pretax return on assets
  • -30.66%Return on equity (ROE)
  • -30.66%Retained earnings to average equity (YTD only)
  • 3.55%Net charge-offs to loans
  • 140.09%Credit loss provision to net charge-offs
  • 0.36%Efficiency ratio
  • 67,148Assets per employee
  • 8.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.67%Loss allowance to noncurrent loans
  • 46.15%Noncurrent assets plus other real estate owned to assets
  • 11.44%Noncurrent loans to loans
  • 10.12%Net loans and leases to deposits
  • 87.54%Net loans and leases to core deposits
  • 93.34%Equity capital to assets
  • 9.07%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 12.12%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $712,459Average earning assets
  • $63,533Average equity
  • $662,841Average loans

List of branches

  • 8 California Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0429969First Community Bank438 First Street, Santa Rosa, CA 95404January 28, 2005Full Service Brick and Mortar
    1438880Oakmont Branch6580 Oakmont Drive, Santa Rosa, CA 95409March 15, 2005Full Service Brick and Mortar
    2442013Petaluma Branch100 Second Street, Petaluma, CA 94952June 13, 2005Full Service Brick and Mortar
    3462774Alameda Branch2531 Blanding Avenue, Alameda, CA 94501Febuary 21, 2007Full Service Brick and Mortar
    4469430Walnut Creek Branch1940 Tice Valley Boulevard, Walnut Creek, CA 94595November 05, 2007Full Service Brick and Mortar
    5479353Varenna Branch1401 Fountaingrove Parkway, Santa Rosa, CA 95403May 15, 2008Full Service Retail
    6493015East Petaluma Branch157 N Mcdowell Blvd, Petaluma, CA 94954April 22, 2009Full Service Brick and Mortar
    7510570Corte Madera Branch137 Corte Madera Town Center, Corte Madera, CA 94925September 01, 2009Full Service Brick and Mortar

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