First Federal Community Bank of Bucyrus in city_name, state_name

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
WWW: http://www.ffcb.com
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

No	ID	Name	Address	Established	Service Type
0	42539	First Federal Community Bank Of Bucy	119 South Sandusky Avenue, Bucyrus, OH 44820	January 01, 1887	Full Service Brick and Mortar
100	276856	875 S Sandusky Ave Branch	875 S Sandusky Ave, Bucyrus, OH 44820	January 01, 1887	Full Service Brick and Mortar
101	276857	West Mansfield Branch	220 West Mansfield Street, New Washington, OH 44854	January 01, 1887	Full Service Brick and Mortar
102	491985	Marysville Branch	251 Coleman's Crossing Boulevard, Marysville, OH 43040	November 26, 2007	Full Service Brick and Mortar
103	495499	2020 E. Mansfied St.	2020 E. Mansfield St., Bucyrus, OH 44820	October 21, 2003	Full Service Brick and Mortar

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

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

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