First Community Bank of Western Kentucky, Inc. in Clinton, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • First Community Bank of Western Kentucky, Inc. in Clinton, Kentucky (KY)
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First Community Bank of Western Kentucky, Inc. - Overview

  • General
  • FDIC Certificate #: 14735
    Status: Active
    Federal Reserve ID: 837149
    Bank Holding Company (Regulatory Top Holder): First Trust Financial Corporation (RSSDID: 2156451, Location: Clinton, KY)
    Date Established: January 01, 1934
    WWW: http://www.fcbwky.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 9522
    FDIC's unique #: 9216
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: September 10, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 114 East Jackson Street, Clinton, KY 42031
    County: Hickman
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Hopkinsville
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $79.4 mil
    Equity capital: $10.4 mil
    Deposits held in domestic offices: $64.8 mil
    Return on assets (ROA): 1.19% ($0.9 mil)
    Quarterly return on assets: 0.60% ($0.5 mil)
    Return on Equity (ROE): 9.01% ($0.9 mil)
    Quarterly return on equity: 4.49% ($0.4 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.73% ($1,374.1 mil)
    Quarterly Pretax return on assets: 1.11% ($881.7 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
  • 23Total employees (full-time equivalent)
  • $79,428Total assets
  • $2,851Cash and due from depository institutions
  • $350Interest-bearing balances
  • $13,552Securities
  • $578Federal funds sold & reverse repurchase agreements
  • $57,624Net loans & leases
  • $589Loan loss allowance
  • $0Trading account assets
  • $983Bank premises and fixed assets
  • $369Other real estate owned
  • $513Goodwill and other intangibles
  • $79,429Life insurance assets
  • $2,958All other assets
  • $69,043Total liabilities and capital
  • $64,841Total liabilities
  • $57,112Total deposits
  • $64,841Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 450.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,308Trading liabilities
  • $0Other borrowed funds
  • $444Subordinated debt
  • $10,386All other liabilities
  • $10,386Total equity capital
  • $10,386Total bank equity capital
  • $0Perpetual preferred stock
  • $450Common stock
  • $460Surplus
  • $9,476Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $647Income earned, not collected on loans
  • $269Earning assets
  • $1,058Long-term assets (5+ years)
  • $72,104Average Assets, year-to-date
  • $26,923Average Assets, quarterly
  • $76,822Volatile liabilities
  • $78,402Insider loans
  • $65,607FHLB advances
  • $78,392Loans and leases held for sale
  • $1,188Unused loan commitments
  • $1,188Tier 1 (core) risk-based capital
  • $9,633Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,904Restructured Loans and leases
  • $369Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,086Total interest income
  • $762Total interest expense
  • $3,324Net interest income
  • $100Provision for loan and lease losses
  • $499Total noninterest income
  • $0Fiduciary activities
  • $340Service charges on deposit accounts
  • $0Trading account gains & fees
  • $159Additional noninterest income
  • $2,445Total noninterest expense
  • $1,192Salaries and employee benefits
  • $290Premises and equipment expense
  • $963Additional noninterest expense
  • $1,278Pre-tax net operating income
  • $48Securities gains (losses)
  • $409Applicable income taxes
  • $917Income before extraordinary items
  • $0Extraordinary gains - net
  • $917Net income attributable to bank
  • $0Net charge-offs
  • $917Cash dividends
  • $99Sale, conversion, retirement of capital stock, net
  • $676Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.82%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 4.74%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.19%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 9.01%Return on equity (ROE)
  • 2.37%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 101.01%Credit loss provision to net charge-offs
  • 13.92%Efficiency ratio
  • 63,955Assets per employee
  • 3.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 73.72%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 91.04%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 1.11%Net loans and leases to deposits
  • 88.87%Net loans and leases to core deposits
  • 104.37%Equity capital to assets
  • 13.08%Core capital (leverage) ratio
  • 12.29%Tier 1 risk-based capital ratio
  • 14.68%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $76,822Average earning assets
  • $10,177Average equity
  • $70,161Average loans

List of branches

  • 2 Kentucky Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09216First Community Bank Of Western Kentucky, Inc.114 East Jackson Street, Clinton, KY 42031January 01, 1934Full Service Brick and Mortar
    5451474Fancy Farm Banking Center Branch10308 State Route 80 West, Fancy Farm, KY 42039August 01, 2005Full Service Brick and Mortar

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