First Federal Community Bank, National Association in Dover, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Community Bank, National Association in Dover, Ohio (OH)
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First Federal Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 29787
    Status: Active
    Federal Reserve ID: 540775
    Date Established: January 01, 1898
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 4088
    FDIC's unique #: 42621
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 21, 1937
    Last Structure Change Effective Date: Febuary 24, 2012
    Last Structure Change Process Date: March 08, 2012
    Last Data Update: March 08, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 321 North Wooster Avenue, Dover, OH 44622
    County: Tuscarawas
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): New Philadelphia-Dover, OH (#35420)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
    Change in Entity Type
    Change in Supervisory Agency
  • Financial Summary
  • Total assets: $234.7 mil
    Equity capital: $19.6 mil
    Deposits held in domestic offices: $200.4 mil
    Return on assets (ROA): 0.76% ($1.8 mil)
    Quarterly return on assets: 0.92% ($2.2 mil)
    Return on Equity (ROE): 8.75% ($1.8 mil)
    Quarterly return on equity: 10.85% ($2.2 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.16% ($2,722.0 mil)
    Quarterly Pretax return on assets: 1.40% ($3,285.2 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
  • 55Total employees (full-time equivalent)
  • $234,657Total assets
  • $22,605Cash and due from depository institutions
  • $8,523Interest-bearing balances
  • $12,084Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $191,432Net loans & leases
  • $1,838Loan loss allowance
  • $0Trading account assets
  • $3,920Bank premises and fixed assets
  • $0Other real estate owned
  • $709Goodwill and other intangibles
  • $234,657Life insurance assets
  • $3,907All other assets
  • $215,039Total liabilities and capital
  • $200,416Total liabilities
  • $178,654Total deposits
  • $200,416Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,931Trading liabilities
  • $0Other borrowed funds
  • $1,692Subordinated debt
  • $19,618All other liabilities
  • $19,618Total equity capital
  • $19,618Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $6,515Surplus
  • $13,103Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $782Income earned, not collected on loans
  • $0Earning assets
  • $567Long-term assets (5+ years)
  • $212,039Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $219,810Volatile liabilities
  • $229,932Insider loans
  • $174,338FHLB advances
  • $234,545Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,544Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $46,122Restructured Loans and leases
  • $5,234Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,788Total interest income
  • $2,647Total interest expense
  • $8,141Net interest income
  • $720Provision for loan and lease losses
  • $1,208Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,208Additional noninterest income
  • $6,083Total noninterest expense
  • $3,143Salaries and employee benefits
  • $1,689Premises and equipment expense
  • $1,251Additional noninterest expense
  • $2,546Pre-tax net operating income
  • $0Securities gains (losses)
  • $871Applicable income taxes
  • $1,675Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,675Net income attributable to bank
  • $0Net charge-offs
  • $1,675Cash dividends
  • $428Sale, conversion, retirement of capital stock, net
  • $905Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.32%Yield on earning assets
  • 1.30%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.60%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.76%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 8.75%Return on equity (ROE)
  • 4.02%Retained earnings to average equity (YTD only)
  • 0.23%Net charge-offs to loans
  • 168.22%Credit loss provision to net charge-offs
  • 7.63%Efficiency ratio
  • 65,066Assets per employee
  • 4.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.03%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 235.04%Noncurrent assets plus other real estate owned to assets
  • 0.33%Noncurrent loans to loans
  • 0.40%Net loans and leases to deposits
  • 95.52%Net loans and leases to core deposits
  • 101.55%Equity capital to assets
  • 8.36%Core capital (leverage) ratio
  • 8.33%Tier 1 risk-based capital ratio
  • 11.21%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $219,810Average earning assets
  • $19,143Average equity
  • $202,876Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042621First Federal Community Bank, National Association321 North Wooster Avenue, Dover, OH 44622January 01, 1898Full Service Brick and Mortar
    1277167West High Avenue Branch244 West High Avenue, New Philadelphia, OH 44663June 30, 1998Full Service Brick and Mortar
    3463794Dover Branch902 Boulevard Avenue, Dover, OH 44622July 05, 2002Full Service Brick and Mortar
    4463795Sugarcreek Branch1047 West Main Street, Suite C, Sugarcreek, OH 44681November 18, 2005Full Service Brick and Mortar
    5518092Berlin Branch4737 Us Highway 62, Berlin, OH 44610August 01, 2009Full Service Brick and Mortar

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