First Community Bank of Central Alabama

First Community Bank of Central Alabama is headquartered in Wetumpka and is the 31^st largest bank in the state of Alabama. It is also the 2,227^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 67 employees at 6 locations. First Community Bank of Central Alabama has a 4-star health rating.

First Community Bank of Central Alabama CD Rates

First Community Bank of Central Alabama IRA Rates

Data for Q1 2012

Institution Statistics First Community Bank of Central Alabama FDIC Certificate # 57124 BankRate Report View Year Established 2001 Employees 67 Primary Regulator FDIC Assets and Liabilities Assets $293.19 million Loans $184.51 million Deposits $266.84 million Equity Capital $24.65 million Loan Loss Allowance $3.25 million Unbacked Noncurrent Loans $1.19 million Real Estate Owned $2.76 million Historic Data - March 2011 Assets $283.80 million Equity Capital $22.63 million Loan Loss Allowance $3.01 million Unbacked Noncurrent Loans $3.65 million Real Estate Owned $2.69 million Profit Margin - Quarterly Net Interest Margin 4.3% Return on Assets 1.61% Return on Equity 18.88% Interest Income $3.50 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 First Community Bank of Central Alabama had $3.95 million in non-current loans and owned real-estate with $27.9 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank of Central Alabama a Texas Ratio of 14.15% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Community Bank of Central Alabama decreased significantly from 24.72% as of March 31, 2011 to 14.15% as of March 31, 2012, resulting in a positive change of 42.77%.This indicates that the balance sheet and financial strength for First Community Bank of Central Alabama has improved significantly in recent periods. Deposit Growth In the past year, First Community Bank of Central Alabama has increased its total deposits by $7.46 million, resulting in 2.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth First Community Bank of Central Alabama has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. First Community Bank of Central Alabama has $293.19 million in assets with $27.9 million in equity, resulting in a capitalization level of 9.52%, which is average.

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