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



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First Community Bank of Central Alabama routing number info

Table of contents:
First Community Bank of Central Alabama
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)70
Total assets$281,488
Cash and due from depository institutions$8,236
Interest-bearing balances$3,401
Securities$67,628
Federal funds sold & reverse repurchase agreements$1,550
Net loans & leases$189,020
Loan loss allowance $3,086
Trading account assets$0
Bank premises and fixed assets$8,065
Other real estate owned$2,689
Goodwill and other intangibles$0
All other assets$4,300
Life insurance assets$281,488
Total liabilities and capital$257,161
Total liabilities$256,004
Total deposits$216,821
Interest-bearing deposits$256,004
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,157
All other liabilities $24,327
Total equity capital$24,327
Total bank equity capital$24,327
Perpetual preferred stock$0
Common stock$903
Surplus$8,129
Undivided profits $15,295
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $444
Income earned, not collected on loans $1,341
Earning assets $0
Long-term assets (5+ years) $1,126
Average Assets, year-to-date $261,599
Average Assets, quarterly $69,713
Volatile liabilities $280,965
Insider loans $281,141
FHLB advances $200,983
Loans and leases held for sale $280,458
Unused loan commitments $1,727
Tier 1 (core) risk-based capital $1,727
Tier 2 risk-based capital $22,395
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $20,710
Derivatives$9,450
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,927
Total interest expense $2,857
Net interest income $11,070
Provision for loan and lease losses $1,300
Total noninterest income $1,623
Fiduciary activities $0
Service charges on deposit accounts $1,095
Trading account gains & fees $0
Additional noninterest income $528
Total noninterest expense $6,931
Salaries and employee benefits $3,701
Premises and equipment expense $930
Additional noninterest expense $2,300
Pre-tax net operating income $4,462
Securities gains (losses) $201
Applicable income taxes $284
Income before extraordinary items $4,379
Extraordinary gains - net $0
Net income attributable to bank $4,379
Net charge-offs $0
Cash dividends $4,379
Sale, conversion, retirement of capital stock, net $1,303
Net operating income $2,721
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.31%
Cost of funding earning assets 1.09%
Net interest margin 4.22%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 2.64%
Net operating income to assets 1.49%
Return on assets (ROA) 1.56%
Pretax return on assets 1.66%
Return on equity (ROE) 18.77%
Retained earnings to average equity (YTD only) 7.11%
Net charge-offs to loans 0.69%
Credit loss provision to net charge-offs 99.77%
Efficiency ratio4.42%
Assets per employee$54,605
Cash dividends to net income (YTD only)4.02%
Condition Ratios (%)
Loss allowance to loans 62.14%
Loss allowance to noncurrent loans 1.61%
Noncurrent assets plus other real estate owned to assets 230.13%
Noncurrent loans to loans 1.43%
Net loans and leases to deposits0.70%
Net loans and leases to core deposits 73.83%
Equity capital to assets 81.19%
Core capital (leverage) ratio 8.64%
Tier 1 risk-based capital ratio 7.99%
Total risk-based capital ratio 11.14%
Memoranda
Average assets$12
Average earning assets$280,965
Average equity $23,325
Average loans $262,113
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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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