First Community Bank of Central Alabama in city_name, state_name

First Community Bank of Central Alabama in Wetumpka, Alabama (AL)
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First Community Bank of Central Alabama routing number info

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
WWW: http://www.fcbca.com
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

No	ID	Name	Address	Established	Service Type
0	358137	First Community Bank Of Central Alab	715 Wilson Street, Wetumpka, AL 36092	August 28, 2001	Full Service Brick and Mortar
1	361247	Millbrook Branch	3300 Highway 14, Millbrook, AL 36054	August 28, 2001	Full Service Brick and Mortar
2	430018	Eclectic Branch	1875 Kowaliga Rd, Eclectic, AL 36024	September 15, 2003	Full Service Retail
3	442218	Prattville Branch	1761 East Main Street, Prattville, AL 36068	March 08, 2005	Full Service Brick and Mortar
4	470757	Holtville Road Branch	9788 Holtville Road, Wetumpka, AL 36092	December 19, 2007	Full Service Brick and Mortar
5	497949	West Prattville Branch	211 Highway 82 Bypass W, Prattville, AL 36067	November 12, 2009	Full Service Brick and Mortar

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

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

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