First Community Bank of Central Alabama in Wetumpka, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Community Bank of Central Alabama in Wetumpka, Alabama (AL)
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First Community Bank of Central Alabama - Overview

  • General
  • FDIC Certificate #: 57124
    Status: Active
    Federal Reserve ID: 3034257
    Bank Holding Company (Regulatory Top Holder): Central Alabama Bancshares, Inc. (RSSDID: 3034248, Location: Wetumpka, AL)
    Date Established: August 28, 2001
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 358137
    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: August 28, 2001
    Last Structure Change Effective Date: Febuary 15, 2012
    Last Structure Change Process Date: Febuary 15, 2012
    Last Data Update: Febuary 15, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 715 Wilson Street, Wetumpka, AL 36092
    County: Elmore
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Montgomery
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Montgomery, AL (#5240)
    Combined Statistical Area (CSA): Montgomery-Alexander City, AL (#388)
    Core Based Statistical Area (CBSA): Montgomery, AL (#33860)
    CBSA Metro Statistical Area: Montgomery, AL (#33860)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $281.5 mil
    Equity capital: $24.3 mil
    Deposits held in domestic offices: $256.0 mil
    Return on assets (ROA): 1.56% ($4.4 mil)
    Quarterly return on assets: 1.48% ($4.2 mil)
    Return on Equity (ROE): 18.77% ($4.5 mil)
    Quarterly return on equity: 16.96% ($4.1 mil)
    Net income: $4.4 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.66% ($4,672.7 mil)
    Quarterly Pretax return on assets: 1.51% ($4,250.5 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
  • 70Total employees (full-time equivalent)
  • $281,488Total assets
  • $8,236Cash and due from depository institutions
  • $3,401Interest-bearing balances
  • $67,628Securities
  • $1,550Federal funds sold & reverse repurchase agreements
  • $189,020Net loans & leases
  • $3,086Loan loss allowance
  • $0Trading account assets
  • $8,065Bank premises and fixed assets
  • $2,689Other real estate owned
  • $0Goodwill and other intangibles
  • $281,488Life insurance assets
  • $4,300All other assets
  • $257,161Total liabilities and capital
  • $256,004Total liabilities
  • $216,821Total deposits
  • $256,004Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,157Subordinated debt
  • $24,327All other liabilities
  • $24,327Total equity capital
  • $24,327Total bank equity capital
  • $0Perpetual preferred stock
  • $903Common stock
  • $8,129Surplus
  • $15,295Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $444Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,341Income earned, not collected on loans
  • $0Earning assets
  • $1,126Long-term assets (5+ years)
  • $261,599Average Assets, year-to-date
  • $69,713Average Assets, quarterly
  • $280,965Volatile liabilities
  • $281,141Insider loans
  • $200,983FHLB advances
  • $280,458Loans and leases held for sale
  • $1,727Unused loan commitments
  • $1,727Tier 1 (core) risk-based capital
  • $22,395Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,710Restructured Loans and leases
  • $9,450Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,927Total interest income
  • $2,857Total interest expense
  • $11,070Net interest income
  • $1,300Provision for loan and lease losses
  • $1,623Total noninterest income
  • $0Fiduciary activities
  • $1,095Service charges on deposit accounts
  • $0Trading account gains & fees
  • $528Additional noninterest income
  • $6,931Total noninterest expense
  • $3,701Salaries and employee benefits
  • $930Premises and equipment expense
  • $2,300Additional noninterest expense
  • $4,462Pre-tax net operating income
  • $201Securities gains (losses)
  • $284Applicable income taxes
  • $4,379Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,379Net income attributable to bank
  • $0Net charge-offs
  • $4,379Cash dividends
  • $1,303Sale, conversion, retirement of capital stock, net
  • $2,721Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 4.22%Net interest margin
  • 0.62%Noninterest income to earning assets
  • 2.64%Noninterest expense to earning assets
  • 1.49%Net operating income to assets
  • 1.56%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 18.77%Return on equity (ROE)
  • 7.11%Retained earnings to average equity (YTD only)
  • 0.69%Net charge-offs to loans
  • 99.77%Credit loss provision to net charge-offs
  • 4.42%Efficiency ratio
  • 54,605Assets per employee
  • 4.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 62.14%Loss allowance to loans
  • 1.61%Loss allowance to noncurrent loans
  • 230.13%Noncurrent assets plus other real estate owned to assets
  • 1.43%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 73.83%Net loans and leases to core deposits
  • 81.19%Equity capital to assets
  • 8.64%Core capital (leverage) ratio
  • 7.99%Tier 1 risk-based capital ratio
  • 11.14%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $280,965Average earning assets
  • $23,325Average equity
  • $262,113Average loans

List of branches

  • 6 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0358137First Community Bank Of Central Alab715 Wilson Street, Wetumpka, AL 36092August 28, 2001Full Service Brick and Mortar
    1361247Millbrook Branch3300 Highway 14, Millbrook, AL 36054August 28, 2001Full Service Brick and Mortar
    2430018Eclectic Branch1875 Kowaliga Rd, Eclectic, AL 36024September 15, 2003Full Service Retail
    3442218Prattville Branch1761 East Main Street, Prattville, AL 36068March 08, 2005Full Service Brick and Mortar
    4470757Holtville Road Branch9788 Holtville Road, Wetumpka, AL 36092December 19, 2007Full Service Brick and Mortar
    5497949West Prattville Branch211 Highway 82 Bypass W, Prattville, AL 36067November 12, 2009Full Service Brick and Mortar

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