PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

First Community Bank

Forest, VA · Cert 22800

FDIC

Q2 1998

$167.4MAssets
$107.8MLoans
$109.0MDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 1.10%, down 13 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 98.90% of deposits as of Q2 1998.

Return on Assets (YTD, annualized)

1.10%-13 bps YoY

Net Interest Margin (YTD, annualized)

n/a
n/a

Efficiency Ratio (YTD, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Year to date, annualized, through each quarter.

MetricQ3 1996Q4 1996Q1 1997Q2 1997Q3 1997Q4 1997Q1 1998Q2 1998YoY ΔTrend
Earnings
Return on Assets1.45%1.41%1.23%1.23%1.24%1.25%1.09%1.10%-13 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)25.65%26.87%28.35%31.21%15.66%11.41%9.52%10.23%-2,099 bps
Loan Growth (YoY)10.91%10.51%10.95%15.31%17.18%17.91%16.87%14.98%-34 bps
Deposit Growth (YoY)2.18%0.47%5.72%8.53%14.52%12.24%6.99%6.64%-189 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits86.53%92.93%90.59%91.73%88.54%97.62%98.97%98.90%+717 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a