First Federal Community Bank of Bucyrus in Bucyrus, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Community Bank of Bucyrus in Bucyrus, Ohio (OH)
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First Federal Community Bank of Bucyrus - Overview

  • General
  • FDIC Certificate #: 29705
    Status: Active
    Federal Reserve ID: 346379
    Date Established: January 01, 1887
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 3920
    FDIC's unique #: 42539
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: July 30, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 119 South Sandusky Avenue, Bucyrus, OH 44820
    County: Crawford
    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
    Metropolitan Statistical Area (MSA): Mansfield, OH (#4800)
    Combined Statistical Area (CSA): Mansfield-Bucyrus, OH (#360)
    Core Based Statistical Area (CBSA): Bucyrus, OH (#15340)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $128.8 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $102.5 mil
    Return on assets (ROA): 0.34% ($0.4 mil)
    Quarterly return on assets: 0.53% ($0.7 mil)
    Return on Equity (ROE): 3.28% ($0.5 mil)
    Quarterly return on equity: 5.07% ($0.7 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.51% ($656.8 mil)
    Quarterly Pretax return on assets: 0.80% ($1,030.3 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
  • 43Total employees (full-time equivalent)
  • $128,788Total assets
  • $15,786Cash and due from depository institutions
  • $12,354Interest-bearing balances
  • $17,732Securities
  • $178Federal funds sold & reverse repurchase agreements
  • $86,996Net loans & leases
  • $1,725Loan loss allowance
  • $0Trading account assets
  • $4,003Bank premises and fixed assets
  • $547Other real estate owned
  • $190Goodwill and other intangibles
  • $128,788Life insurance assets
  • $3,356All other assets
  • $115,260Total liabilities and capital
  • $102,476Total liabilities
  • $96,779Total deposits
  • $102,476Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,342Trading liabilities
  • $0Other borrowed funds
  • $442Subordinated debt
  • $13,528All other liabilities
  • $13,528Total equity capital
  • $13,528Total bank equity capital
  • $0Perpetual preferred stock
  • $3,403Common stock
  • $4,097Surplus
  • $6,028Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,268Income earned, not collected on loans
  • $0Earning assets
  • $510Long-term assets (5+ years)
  • $117,260Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $129,021Volatile liabilities
  • $129,098Insider loans
  • $75,328FHLB advances
  • $128,565Loans and leases held for sale
  • $4Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,210Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,078Restructured Loans and leases
  • $1,486Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,869Total interest income
  • $1,442Total interest expense
  • $4,427Net interest income
  • $605Provision for loan and lease losses
  • $913Total noninterest income
  • $0Fiduciary activities
  • $60Service charges on deposit accounts
  • $0Trading account gains & fees
  • $853Additional noninterest income
  • $4,094Total noninterest expense
  • $2,021Salaries and employee benefits
  • $897Premises and equipment expense
  • $1,176Additional noninterest expense
  • $641Pre-tax net operating income
  • $16Securities gains (losses)
  • $222Applicable income taxes
  • $435Income before extraordinary items
  • $0Extraordinary gains - net
  • $435Net income attributable to bank
  • $0Net charge-offs
  • $435Cash dividends
  • $503Sale, conversion, retirement of capital stock, net
  • $165Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.34%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 3.28%Return on equity (ROE)
  • 2.03%Retained earnings to average equity (YTD only)
  • 0.54%Net charge-offs to loans
  • 120.28%Credit loss provision to net charge-offs
  • 2.48%Efficiency ratio
  • 76,667Assets per employee
  • 3.00%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.93%Loss allowance to loans
  • 1.94%Loss allowance to noncurrent loans
  • 76.06%Noncurrent assets plus other real estate owned to assets
  • 2.19%Noncurrent loans to loans
  • 2.56%Net loans and leases to deposits
  • 84.89%Net loans and leases to core deposits
  • 89.28%Equity capital to assets
  • 10.50%Core capital (leverage) ratio
  • 10.41%Tier 1 risk-based capital ratio
  • 17.54%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $129,021Average earning assets
  • $13,281Average equity
  • $117,358Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042539First Federal Community Bank Of Bucy119 South Sandusky Avenue, Bucyrus, OH 44820January 01, 1887Full Service Brick and Mortar
    100276856875 S Sandusky Ave Branch875 S Sandusky Ave, Bucyrus, OH 44820January 01, 1887Full Service Brick and Mortar
    101276857West Mansfield Branch220 West Mansfield Street, New Washington, OH 44854January 01, 1887Full Service Brick and Mortar
    102491985Marysville Branch251 Coleman's Crossing Boulevard, Marysville, OH 43040November 26, 2007Full Service Brick and Mortar
    1034954992020 E. Mansfied St.2020 E. Mansfield St., Bucyrus, OH 44820October 21, 2003Full Service Brick and Mortar

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