Vitals
  • Total Assets
    263.4M -3.4 %
  • Total Deposits
    223.0M 0.8 %
  • Total Net Loans
    218.5M -2.8 %
  • Net Income
    4.3M 11.6 %
  • Book Value
    28.0M -0.1 %
  • Book Value x2
    56.1M -0.1 %
  • Book Value x3
    84.1M -0.1 %
ROAA

1.613

ROAE

15.28

Efficiency Ratio

67.495

Net Interest Margin

4.742

Balance Sheet Highlights
Financial Highlights First Community Bank All Insured Commercial Banks in Michigan
Balance Sheet $(000)
Total Assets 263,423 330,697
Total Net Loans 218,475 227,599
Total Deposits 223,045 278,247
Total Equity 28,037 33,935
Profitability
Net Income 4,320 3,589
Return on Average Assets 1.613 .954
Return on Average Equity 15.28 8.772
Net Interest Margin 4.742 3.821
Efficiency Ratio 67.495 71.925
Noninterest Income/Revenue 11.726 24.061
Balance Sheet Ratios
Loan-to-Deposit 97.951 76.845
Securities/Assets .082 .16
Total Equity/Total Assets .106 .103
Tangible Equity/Tangible Assets .106 .098
Capital Adequacy
Tier 1 Common Capital 28,179 32,553
Tier 1 Capital 28,179 32,664
Tier 2 Capital 2,447 2,479
Total Capital 30,626 35,133
Total Risk Weighted Assets 216,341 242,208
Leverage Ratio 10.67 10.341
Common Equity Tier 1 Capital Ratio 13.03 15.339
Tier 1 Capital Ratio 13.03 15.393
Total Capital Ratio 14.16 16.423

Timeline for First Community Bank

Select Bank

Acquisition: First Community Bank acquired a new subsidiary, Select Bank, 11 years

View Profile Dec 01 2012

Fcb Insurance Agency, Inc.

Fcb Insurance Agency, Inc. became a new subsidiary organization for First Community Bank.

View Profile Aug 01 1997

Harbor Springs Financial Corporation

Harbor Springs Financial Corporation became a new parent organization for First Community Bank.

View Profile Feb 01 1983

First Community Bank

First Community Bank was established 118 years ago and is currently headquartered in Harbor Springs, MI.

Nov 01 1905
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Select Bank Seller 58,402 Pooling of Interests Discontinued 12/1/2012
Relationships Role Relationship Start Relationship End
Harbor Springs Financial Corporation Parent 2/1/1983
Fcb Insurance Agency, Inc. Subsidary 6/30/2007
Fcb Insurance Agency, Inc. Subsidary 8/1/1997 6/29/2007
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