First Community Bank, Xenia-Flora in Xenia, Illinois (IL)

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First Community Bank, Xenia-Flora routing number info

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First Community Bank, Xenia-Flora
GeneralFDIC Certificate #: 3850
Status: Active
Federal Reserve ID: 242
Bank Holding Company (Regulatory Top Holder): First Community Bancshares (RSSDID: 3088643, Location: Xenia, IL)
Date Established: January 01, 1922
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 12627
FDIC's unique #: 2505
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: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 01, 2010
Last Structure Change Process Date: June 01, 2010
Last Data Update: June 01, 2010
Data Source Date: April 05, 2012
LocationAddress: 260 Front Street, Xenia, IL 62899
County: Clay
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Mount Vernon
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
History of ChangesChange in Location
Financial SummaryTotal assets: $35.2 mil
Equity capital: $4.7 mil
Deposits held in domestic offices: $25.2 mil
Return on assets (ROA): 1.39% ($0.5 mil)
Quarterly return on assets: 1.01% ($0.4 mil)
Return on Equity (ROE): 10.72% ($0.5 mil)
Quarterly return on equity: 7.53% ($0.4 mil)
Net income: $0.5 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 1.41% ($496.6 mil)
Quarterly Pretax return on assets: 1.01% ($355.7 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)
Total employees (full-time equivalent)12
Total assets$35,222
Cash and due from depository institutions$1,671
Interest-bearing balances$493
Federal funds sold & reverse repurchase agreements$45
Net loans & leases$23,484
Loan loss allowance $169
Trading account assets$0
Bank premises and fixed assets$280
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$550
Life insurance assets$35,222
Total liabilities and capital$30,501
Total liabilities$25,225
Total deposits$19,317
Interest-bearing deposits$25,225
Deposits held in domestic offices$100
% insured (estimated)550.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$4,697
Other borrowed funds $0
Subordinated debt $29
All other liabilities $4,721
Total equity capital$4,721
Total bank equity capital$4,721
Perpetual preferred stock$0
Common stock$120
Undivided profits $4,481
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $157
Earning assets $0
Long-term assets (5+ years) $228
Average Assets, year-to-date $33,214
Average Assets, quarterly $8,749
Volatile liabilities $34,425
Insider loans $34,934
FHLB advances $35,066
Loans and leases held for sale $35,664
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,386
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $1,576
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,556
Total interest expense $286
Net interest income $1,270
Provision for loan and lease losses $0
Total noninterest income $166
Fiduciary activities $0
Service charges on deposit accounts $113
Trading account gains & fees $0
Additional noninterest income $53
Total noninterest expense $952
Salaries and employee benefits $617
Premises and equipment expense $134
Additional noninterest expense $201
Pre-tax net operating income $484
Securities gains (losses) $0
Applicable income taxes $6
Income before extraordinary items $478
Extraordinary gains - net $0
Net income attributable to bank $478
Net charge-offs $0
Cash dividends $478
Sale, conversion, retirement of capital stock, net -$1
Net operating income $398
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.77%
Cost of funding earning assets 0.88%
Net interest margin 3.89%
Noninterest income to earning assets 0.51%
Noninterest expense to earning assets 2.92%
Net operating income to assets 1.39%
Return on assets (ROA) 1.39%
Pretax return on assets 1.41%
Return on equity (ROE) 10.72%
Retained earnings to average equity (YTD only) 1.79%
Net charge-offs to loans -0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$66,295
Cash dividends to net income (YTD only)2.94%
Condition Ratios (%)
Loss allowance to loans 83.26%
Loss allowance to noncurrent loans 0.71%
Noncurrent assets plus other real estate owned to assets 107.64%
Noncurrent loans to loans 0.45%
Net loans and leases to deposits0.66%
Net loans and leases to core deposits 93.10%
Equity capital to assets 93.10%
Core capital (leverage) ratio 13.40%
Tier 1 risk-based capital ratio 12.30%
Total risk-based capital ratio 12.51%
Average assets$13
Average earning assets$34,425
Average equity $4,461
Average loans $32,638
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2 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02505First Community Bank, Xenia-Flora260 Front Street, Xenia, IL 62899January 01, 1922Full Service Brick and Mortar
1201990Flora Branch1400 North State Street, Flora, IL 62839January 13, 1998Full Service Brick and Mortar
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