0001437749-24-012836.txt : 20240423 0001437749-24-012836.hdr.sgml : 20240423 20240423161238 ACCESSION NUMBER: 0001437749-24-012836 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20240423 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Other Events ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240423 DATE AS OF CHANGE: 20240423 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST COMMUNITY BANKSHARES INC /VA/ CENTRAL INDEX KEY: 0000859070 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance IRS NUMBER: 550694814 STATE OF INCORPORATION: VA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-19297 FILM NUMBER: 24864945 BUSINESS ADDRESS: STREET 1: PO BOX 989 CITY: BLUEFIELD STATE: VA ZIP: 24605 BUSINESS PHONE: 3043236300 MAIL ADDRESS: STREET 1: 29 COLLEGE DRIVE STREET 2: P O BOX 989 CITY: BLUEFIELD STATE: VA ZIP: 24605 FORMER COMPANY: FORMER CONFORMED NAME: FIRST COMMUNITY BANCSHARES INC /NV/ DATE OF NAME CHANGE: 19971121 FORMER COMPANY: FORMER CONFORMED NAME: FCFT INC DATE OF NAME CHANGE: 19930328 8-K 1 fcbc20240325_8k.htm FORM 8-K fcbc20240325_8k.htm
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
 
FORM 8-K
 
CURRENT REPORT
Pursuant to Section 13 OR 15(d) of The Securities Exchange Act of 1934
 
 
Date of Report (Date of earliest event reported): April 23, 2024
 
 
 
FIRST COMMUNITY BANKSHARES, INC.
  
(Exact name of registrant as specified in its charter)
 
 
Virginia
  
000-19297
  
55-0694814
(State or other jurisdiction
  
(Commission
  
(IRS Employer
of incorporation)
  
File Number)
  
Identification No.)
 
 
P.O. Box 989
Bluefield, Virginia
  
24605-0989
(Address of principal executive offices)
  
(Zip Code)
 
 
Registrant’s telephone number, including area code: (276) 326-9000
 
 
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
 
☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
 
☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
 
☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
 
☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
 
Securities registered pursuant to Section 12(b) of the Act:
 
Title of each class   Trading Symbol(s)   Name of each exchange on which registered
Common Stock ($1.00 par value)   FCBC   NASDAQ Global Select
 
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).
Emerging growth company ☐
 
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
 
 
 
 
Item 2.02
Results of Operations and Financial Condition.
 
On  April 23, 2024, First Community Bankshares, Inc. (the “Company”) announced by press release its earnings for the first quarter of 2024. A copy of the press release is attached hereto as Exhibit 99.1.
 
Item 8.01
Other Events.
 
On April 23, 2024, the Company announced by press release its quarterly cash dividend to common shareholders of twenty-nine cents, $0.29 per common share, payable on or about May 24, 2024, to shareholders of record on May 10, 2024. A copy of the press release is attached hereto as Exhibit 99.1.
 
Item 9.01
Financial Statements and Exhibits.
 
(d)
  
The following exhibit is included with this report:
     
Exhibit No.
  
Exhibit Description
     
99.1
104
  
Cover Page Interactive Data File (formatted as Inline XBRL).
 
Forward-Looking Statements
 
This Current Report on Form 8-K contains forward-looking statements. These forward-looking statements are based on current expectations that involve risks, uncertainties, and assumptions. Should one or more of these risks or uncertainties materialize or should underlying assumptions prove incorrect, actual results may differ materially. These risks include:  changes in business or other market conditions; the timely development, production and acceptance of new products and services; the challenge of managing asset/liability levels; the management of credit risk and interest rate risk; the difficulty of keeping expense growth at modest levels while increasing revenues; and other risks detailed from time to time in the Company’s Securities and Exchange Commission reports, including but not limited to the Annual Report on Form 10-K for the most recent year ended. Pursuant to the Private Securities Litigation Reform Act of 1995, the Company does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made.
 
 
 
 
 
SIGNATURES
 
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
 
 
 
FIRST COMMUNITY BANKSHARES, INC.
     
Date:
 April 23, 2024  
By:
/s/ David D. Brown
     
   
David D. Brown
   
Chief Financial Officer
 
 
 
 EX-99.1 2 ex_644505.htm EXHIBIT 99.1 ex_644505.htm
 

Exhibit 99.1

 

 

ex_505116img001.jpg

 

NEWS RELEASE

FOR IMMEDIATE RELEASE:

  

FOR MORE INFORMATION, CONTACT:
April 23, 2024  

David D. Brown
   

(276) 326-9000

 

First Community Bankshares, Inc. Announces First Quarter 2024 Results and Quarterly Cash Dividend

 

Bluefield, Virginia – First Community Bankshares, Inc. (NASDAQ: FCBC) (www.firstcommunitybank.com) (the “Company”) today reported its unaudited results of operations and other financial information for the quarter ended March 31, 2024. The Company reported net income of $12.85 million, or $0.71 per diluted common share, for the quarter ended March 31, 2024.   

 

The Company also declared a quarterly cash dividend to common shareholders of twenty-nine cents $0.29 per common share. The quarterly dividend is payable to common shareholders of record on May 10, 2024, and is expected to be paid on or about May 24, 2024. This marks the 39th consecutive year of regular dividends to common shareholders.

 

First Quarter 2024  Highlights

 

Income Statement

 

 

o

Net income of $12.85 million for the first quarter of  2024, was an increase of $1.06 million, or 9.02%, from the same quarter of  2023.
  o Net interest income increased $2.22 million compared to the same quarter in 2023, as increases in benchmark interest rates have improved net interest margin.  Provision for credit losses was approximately $731 thousand lower than the same quarter last year.
  o Net interest margin of 4.47% is an increase of 12 basis points over the same quarter of 2023.  The yield on earning assets increased 62 basis points primarily driven by increased earnings on loans.
  o Interest and fees on loans increased $5.79 million from the same quarter of 2023 and is attributable to both an increase in yield and an increase in average balance compared to the yield and average balance of the prior year. The Company acquired Surrey Bancorp on April 21, 2023, adding approximately $239.08 million in loans. 
  o Noninterest income increased approximately $676 thousand, or 7.88%, when compared to the same quarter of 2023.  The increase was primarily driven by increased interchange income.  Noninterest expense increased $2.57 million, or 12.36%.  The increase in noninterest expense was primarily driven by salaries and employee benefits, service fees, and other operating expense.  The increase in non interest expense is  primarily attributable to the addition of Surrey branches and staff .
 

o

Annualized return on average assets ("ROA") was 1.60% for the first quarter of 2024 compared to 1.55% for the same period of 2023. Annualized return on average common equity ("ROE") was 10.18% for the first quarter of 2024 compared to 11.15% for the same period of 2023.  

 

Balance Sheet and Asset Quality

 

 

o

Consolidated assets totaled $3.24 billion at March 31, 2024.
  o Securities available for sale decreased $114.71 million, or 40.83%, from December 31,2023.  The decrease is primarily attributable to the maturity of $115.75 million in U.S. Treasury Notes during the first quarter of  2024.  Loans decreased $52.47 million, or 2.04%.  Deposits decreased $40.11 million, or 1.47%.  The net effect of these balance sheet changes resulted in an increase in cash and cash equivalents of $132.49 million, or 113.80%.  The increase in cash and cash equivalents is primarily attributable to an increase in federal funds sold of $142.63 million.
 

o

The Company repurchased 89,396 common shares during the first quarter of 2024 for a total cost of $2.97 million. 
 

o

Non-performing loans to total loans increased to 0.78% when compared with the same quarter of 2023.  The Company experienced net charge-offs for the first quarter of 2024 of $1.74 million, or 0.27%, of annualized average loans, compared to net charge-offs of $1.74 million, or 0.29%, of annualized average loans for the same period in 2023. 

 

1
 

 

 

o

The allowance for credit losses to total loans was 1.41% at March 31, 2024, compared to 1.41% at December 31, 2023, and 1.29% for March 31, 2023.
 

o

Book value per share at March 31, 2024, was $27.53, an increase of $0.33 from year-end 2023.

 

 

Non-GAAP Financial Measures

 

In addition to financial statements prepared in accordance with U.S. generally accepted accounting principles (“GAAP”), the Company uses certain non-GAAP financial measures that provide useful information for financial and operational decision making, evaluating trends, and comparing financial results to other financial institutions. The non-GAAP financial measures presented in this news release include “tangible book value per common share,” “return on average tangible common equity,” “adjusted earnings,” “adjusted diluted earnings per share,” “adjusted return on average assets,” “adjusted return on average common equity,” “adjusted return on average tangible common equity,” and certain financial measures presented on a fully taxable equivalent (“FTE”) basis. FTE basis is calculated using the federal statutory income tax rate of 21%.  Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as a reconciliation to that comparable GAAP financial measure can be found in the attached tables to this press release.  While the Company believes certain non-GAAP financial measures enhance the understanding of its business and performance, they are supplemental and not a substitute for, or more important than, financial measures prepared in accordance with GAAP and may not be comparable to those reported by other financial institutions.

 

About First Community Bankshares, Inc.

 

First Community Bankshares, Inc., a financial holding company headquartered in Bluefield, Virginia, provides banking products and services through its wholly owned subsidiary First Community Bank. First Community Bank operated 53 branch banking locations in Virginia, West Virginia, North Carolina, and Tennessee as of March 31, 2024. First Community Bank offers wealth management and investment advice and services through its Trust Division and through its wholly owned subsidiary, First Community Wealth Management, which collectively managed and administered $1.55 billion in combined assets as of March 31, 2024. The Company reported consolidated assets of $3.24 billion as of March 31, 2024. The Company’s common stock is listed on the NASDAQ Global Select Market under the trading symbol, “FCBC”. Additional investor information is available on the Company’s website at www.firstcommunitybank.com.

 

This news release may include forward-looking statements. These forward-looking statements are based on current expectations that involve risks, uncertainties, and assumptions. Should one or more of these risks or uncertainties materialize or should underlying assumptions prove incorrect, actual results may differ materially. These risks include: changes in business or other market conditions; the timely development, production and acceptance of new products and services; the challenge of managing asset/liability levels; the management of credit risk and interest rate risk; the difficulty of keeping expense growth at modest levels while increasing revenues; changes in banking laws and regulations; the degree of competition by traditional and non-traditional competitors; the impact of natural disasters, extreme weather events, military conflict , terrorism or other geopolitical events; and other risks detailed from time to time in the Company’s Securities and Exchange Commission reports including, but not limited to, the Annual Report on Form 10-K for the most recent fiscal year end. Pursuant to the Private Securities Litigation Reform Act of 1995, the Company does not undertake to update forward-looking statements to reflect circumstances or events that occur after the date the forward-looking statements are made.

 

2
 

 

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (Unaudited)

 

   

Three Months Ended

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  

(Amounts in thousands, except share and per share data)

  

2024

    

2023

    

2023

    

2023

    

2023

  

Interest income

                                        

Interest and fees on loans

   $ 33,418     $ 33,676     $ 33,496     $ 31,927     $ 27,628  

Interest on securities

     1,698       1,888       1,912       2,057       2,099  

Interest on deposits in banks

     913       438       697       885       462  

Total interest income

     36,029       36,002       36,105       34,869       30,189  

Interest expense

                                        

Interest on deposits

     4,365       3,935       2,758       1,930       718  

Interest on borrowings

     35       4       0       77       59  

Total interest expense

     4,400       3,939       2,758       2,007       777  

Net interest income

     31,629       32,063       33,347       32,862       29,412  

Provision for credit losses

     1,011       1,029       1,109       4,105       1,742  

Net interest income after provision

     30,618       31,034       32,238       28,757       27,670  

Noninterest income

     9,259       10,462       9,622       8,785       8,583  

Noninterest expense

     23,386       26,780       22,913       24,671       20,813  

Income before income taxes

     16,491       14,716       18,947       12,871       15,440  

Income tax expense

     3,646       2,932       4,307       3,057       3,658  

Net income

   $ 12,845     $ 11,784     $ 14,640     $ 9,814     $ 11,782  
                                         

Adjustment to Net Income for Fair Value Changes to Restricted Stock Units (tax-effected)

   $ 240     $ 530     $ 215     $ 335     $ 20  

Adjusted Net Income for diluted earnings per share

   $ 13,085     $ 12,314     $ 14,855     $ 10,149     $ 11,802  
                                         

Earnings per common share

                                        

Basic

   $ 0.70     $ 0.64     $ 0.78     $ 0.53     $ 0.73  

Diluted

   $ 0.71     $ 0.66     $ 0.79     $ 0.55     $ 0.72  

Cash dividends per common share

                                        

Regular

     0.29       0.29       0.29       0.29       0.29  

Weighted average shares outstanding

                                        

Basic

     18,476,128       18,530,114       18,786,032       18,407,078       16,228,297  

Diluted

     18,545,910       18,575,226       18,831,836       18,431,598       16,289,489  

Performance ratios

                                        

Return on average assets

     1.60 %     1.43 %     1.74 %     1.18 %     1.55 %

Return on average common equity

     10.18 %     9.39 %     11.63 %     8.04 %     11.15 %

Return on average tangible common equity(1)

     14.82 %     13.82 %     17.11 %     11.65 %     16.19 %

(1)

A non-GAAP financial measure defined as net income divided by average stockholders' equity less average goodwill and other intangible assets.

      

 

CONDENSED CONSOLIDATED QUARTERLY NONINTEREST INCOME AND EXPENSE  (Unaudited)

 

   

Three Months Ended

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  

(Amounts in thousands)

  

2024

    

2023

    

2023

    

2023

    

2023

  

Noninterest income

                                        

Wealth management

   $ 1,099     $ 1,052     $ 1,145     $ 965     $ 1,017  

Service charges on deposits

     3,310       3,637       3,729       3,471       3,159  

Other service charges and fees

     3,450       3,541       3,564       3,460       3,082  

(Loss) gain on sale of securities

     -       -       -       (28 )     7  

Other operating income

     1,400       2,232       1,184       917       1,318  

Total noninterest income

   $ 9,259     $ 10,462     $ 9,622     $ 8,785     $ 8,583  

Noninterest expense

                                        

Salaries and employee benefits

   $ 12,581     $ 12,933     $ 12,673     $ 12,686     $ 11,595  

Occupancy expense

     1,378       1,252       1,271       1,276       1,168  

Furniture and equipment expense

     1,545       1,489       1,480       1,508       1,401  

Service fees

     2,449       2,255       2,350       2,284       2,019  

Advertising and public relations

     796       843       968       846       643  

Professional fees

     372       787       172       281       327  

Amortization of intangibles

     530       536       536       425       234  

FDIC premiums and assessments

     369       376       392       423       320  

Merger expense

     -       -       -       2,014       379  

Litigation expense

     -       3,000       -       -       -  

Other operating expense

     3,366       3,309       3,071       2,928       2,727  

Total noninterest expense

   $ 23,386     $ 26,780     $ 22,913     $ 24,671     $ 20,813  

 

3
 

 

RECONCILIATION OF GAAP NET INCOME TO NON-GAAP ADJUSTED EARNINGS (Unaudited)

 

   

Three Months Ended

  
   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  

(Amounts in thousands, except per share data)

  

2024

    

2023

    

2023

    

2023

    

2023

  

Adjusted Net Income for diluted earnings per share

   $ 13,085     $ 12,314     $ 14,855     $ 10,149     $ 11,802  

Non-GAAP adjustments:

                                        

Loss (gain) on sale of securities

     -       -       -       28       (7 )

Merger expense

     -       -       -       2,014       379  

Day 2 provision for allowance for credit losses - Surrey

     -       -       -       1,614       -  

Litigation expense

     -       3,000       -       -       -  

Other items(1)

     -       -       (204 )     -       -  

Total adjustments

     -       3,000       (204 )     3,656       372  

Tax effect

     -       720       (49 )     522       10  

Adjusted earnings, non-GAAP

   $ 13,085     $ 14,594     $ 14,700     $ 13,283     $ 12,163  
                                         

Adjusted diluted earnings per common share, non-GAAP

   $ 0.71     $ 0.79     $ 0.78     $ 0.72     $ 0.75  

Performance ratios, non-GAAP

                                        

Adjusted return on average assets

     1.63 %     1.77 %     1.75 %     1.60 %     1.60 %

Adjusted return on average common equity

     10.37 %     11.63 %     11.68 %     10.88 %     11.51 %

Adjusted return on average tangible common equity (2)

     15.10 %     17.11 %     17.18 %     15.77 %     16.72 %

 

(1)

Includes other non-recurring income and expense items.

      

(2)

A non-GAAP financial measure defined as adjusted earnings divided by average stockholders' equity less average goodwill and other intangible assets.

      

 

4
 

 

AVERAGE BALANCE SHEETS AND NET INTEREST INCOME ANALYSIS (Unaudited)

 

   

Three Months Ended March 31,

  
   

2024

    

2023

  
   

Average

            

Average Yield/

    

Average

            

Average Yield/

  

(Amounts in thousands)

  

Balance

    

Interest(1)

    

Rate(1)

    

Balance

    

Interest(1)

    

Rate(1)

  

Assets

                                                

Earning assets

                                                

Loans(2)(3)

   $ 2,549,107     $ 33,500       5.29 %   $ 2,393,759     $ 27,698       4.69 %

Securities available for sale

     239,010       1,731       2.91 %     316,734       2,140       2.74 %

Interest-bearing deposits

     66,483       916       5.54 %     40,993       465       4.60 %

Total earning assets

     2,854,600       36,147       5.09 %     2,751,486       30,303       4.47 %

Other assets

     373,614                       322,789                  

Total assets

   $ 3,228,214                     $ 3,074,275                  
                                                 

Liabilities and stockholders' equity

                                                

Interest-bearing deposits

                                                

Demand deposits

   $ 665,875     $ 162       0.10 %   $ 666,447     $ 26       0.02 %

Savings deposits

     866,084       3,412       1.58 %     827,414       484       0.24 %

Time deposits

     249,974       790       1.27 %     271,214       208       0.31 %

Total interest-bearing deposits

     1,781,933       4,364       0.98 %     1,765,075       718       0.16 %

Borrowings

                                                

Federal funds purchased

     2,527       35       5.52 %     4,719       58       5.07 %

Retail repurchase agreements

     1,127       -       0.05 %     2,086       1       0.06 %

Total borrowings

     3,654       35       3.85 %     6,805       59       0.07 %

Total interest-bearing liabilities

     1,785,587       4,399       0.99 %     1,771,880       777       0.18 %

Noninterest-bearing demand deposits

     886,947                       838,041                  

Other liabilities

     48,298                       35,669                  

Total liabilities

     2,720,832                       2,645,590                  

Stockholders' equity

     507,382                       428,685                  

Total liabilities and stockholders' equity

   $ 3,228,214                     $ 3,074,275                  

Net interest income, FTE(1)

           $ 31,748                     $ 29,526          

Net interest rate spread

                     4.10 %                     4.29 %

Net interest margin, FTE(1)

                     4.47 %                     4.35 %

 

(1)

Interest income and average yield/rate are presented on a FTE, non-GAAP, basis using the federal statutory income tax rate of 21%.

(2)

Nonaccrual loans are included in the average balance; however, no related interest income is recorded during the period of nonaccrual.

(3)

Interest on loans includes non-cash and accelerated purchase accounting accretion of $781 thousand and $193 thousand for the three months ended March 31, 2024 and 2023, respectively.

 

5
 

 

CONDENSED CONSOLIDATED QUARTERLY BALANCE SHEETS (Unaudited)

 

   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  

(Amounts in thousands, except per share data)

  

2024

    

2023

    

2023

    

2023

    

2023

  

Assets

                                        

Cash and cash equivalents

   $ 248,905     $ 116,420     $ 113,397     $ 152,660     $ 92,385  

Debt securities available for sale, at fair value

     166,247       280,961       275,332       314,373       308,269  

Loans held for investment, net of unearned income

     2,519,833       2,572,298       2,593,472       2,621,073       2,388,897  

Allowance for credit losses

     (35,461 )     (36,189 )     (36,031 )     (36,177 )     (30,789 )

Loans held for investment, net

     2,484,372       2,536,109       2,557,441       2,584,896       2,358,108  

Premises and equipment, net

     51,333       50,680       51,205       53,546       47,407  

Other real estate owned

     374       192       243       339       481  

Interest receivable

     10,719       10,881       10,428       10,185       8,646  

Goodwill

     143,946       143,946       143,946       143,946       129,565  

Other intangible assets

     14,615       15,145       15,681       16,217       3,942  

Other assets

     115,470       114,854       116,552       115,275       102,869  

Total assets

   $ 3,235,981     $ 3,269,188     $ 3,284,225     $ 3,391,437     $ 3,051,672  
                                         

Liabilities

                                        

Deposits

                                        

Noninterest-bearing

   $ 902,396     $ 931,920     $ 944,301     $ 974,995     $ 823,297  

Interest-bearing

     1,779,819       1,790,405       1,801,835       1,877,683       1,761,327  

Total deposits

     2,682,215       2,722,325       2,746,136       2,852,678       2,584,624  

Securities sold under agreements to repurchase

     1,006       1,119       1,029       1,348       1,866  

Interest, taxes, and other liabilities

     45,816       42,450       41,393       38,691       33,451  

Total liabilities

     2,729,037       2,765,894       2,788,558       2,892,717       2,619,941  
                                         

Stockholders' equity

                                        

Common stock

     18,413       18,502       18,671       18,969       16,243  

Additional paid-in capital

     173,041       175,841       180,951       189,917       128,666  

Retained earnings

     327,389       319,902       313,489       304,295       300,047  

Accumulated other comprehensive loss

     (11,899 )     (10,951 )     (17,444 )     (14,461 )     (13,225 )

Total stockholders' equity

     506,944       503,294       495,667       498,720       431,731  

Total liabilities and stockholders' equity

   $ 3,235,981     $ 3,269,188     $ 3,284,225     $ 3,391,437     $ 3,051,672  
                                         

Shares outstanding at period-end

     18,413,088       18,502,396       18,671,470       18,969,281       16,243,551  

Book value per common share

   $ 27.53     $ 27.20     $ 26.55     $ 26.29     $ 26.58  

Tangible book value per common share(1)

     18.92       18.60       18.00       17.85       18.36  

 

(1) 

A non-GAAP financial measure defined as stockholders' equity less goodwill and other intangible assets, divided by shares outstanding.

 

6
 

 

SELECTED CREDIT QUALITY INFORMATION (Unaudited)

 

   

March 31,

    

December 31,

    

September 30,

    

June 30,

    

March 31,

  

(Amounts in thousands)

  

2024

    

2023

    

2023

    

2023

    

2023

  

Allowance for Credit Losses

                                        

Balance at beginning of period:

                                        

Allowance for credit losses - loans

   $ 36,189     $ 36,031     $ 36,177     $ 30,789     $ 30,556  

Allowance for credit losses - loan commitments

     746       758       964       964       1,196  

Total allowance for credit losses beginning of period

     36,935       36,789       37,141       31,753       31,752  

Adjustments to beginning balance:

                                        

Allowance for credit losses - loans - Surrey acquisition for purchased credit deteriorated loans

     -       -       -       2,011       -  

Allowance for credit losses - loan commitments

     -       -       -       -       -  

Net Adjustments

     -       -       -       2,011       -  

Provision for credit losses:

                                        

Provision for credit losses - loans

     1,011       1,041       1,315       4,105       1,974  

(Recovery of) provision for credit losses - loan commitments

     -       (12 )     (206 )     -       (232 )

Total provision for credit losses - loans and loan commitments

     1,011       1,029       1,109       4,105       1,742  

Charge-offs

     (2,448 )     (2,105 )     (2,157 )     (1,993 )     (2,570 )

Recoveries

     709       1,222       696       1,265       829  

Net (charge-offs) recoveries

     (1,739 )     (883 )     (1,461 )     (728 )     (1,741 )

Balance at end of period:

                                        

Allowance for credit losses - loans

     35,461       36,189       36,031       36,177       30,789  

Allowance for credit losses - loan commitments

     746       746       758       964       964  

Ending balance

   $ 36,207     $ 36,935     $ 36,789     $ 37,141     $ 31,753  
                                         

Nonperforming Assets

                                        

Nonaccrual loans

   $ 19,617     $ 19,356     $ 18,366     $ 18,628     $ 15,557  

Accruing loans past due 90 days or more

     30       104       59       -       23  

Modified loans past due 90 days or more

     -       -       -       -       -  

Total nonperforming loans

     19,647       19,460       18,425       18,628       15,580  

OREO

     374       192       243       339       481  

Total nonperforming assets

   $ 20,021     $ 19,652     $ 18,668     $ 18,967     $ 16,061  
                                         
                                         

Additional Information

                                        

Total modified loans

   $ 2,177     $ 1,873     $ 1,674     $ 642     $ 429  
                                         

Asset Quality Ratios

                                        

Nonperforming loans to total loans

     0.78 %     0.76 %     0.71 %     0.71 %     0.65 %

Nonperforming assets to total assets

     0.62 %     0.60 %     0.57 %     0.56 %     0.53 %

Allowance for credit losses to nonperforming loans

     180.49 %     185.97 %     195.55 %     194.21 %     197.62 %

Allowance for credit losses to total loans

     1.41 %     1.41 %     1.39 %     1.38 %     1.29 %

Annualized net charge-offs (recoveries) to average loans

     0.27 %     0.14 %     0.22 %     0.11 %     0.29 %

 

 

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Document And Entity Information
Apr. 23, 2024
Document Information [Line Items]  
Entity, Registrant Name FIRST COMMUNITY BANKSHARES, INC.
Document, Type 8-K
Document, Period End Date Apr. 23, 2024
Entity, Incorporation, State or Country Code VA
Entity, File Number 000-19297
Entity, Tax Identification Number 55-0694814
Entity, Address, Address Line One P.O. Box 989
Entity, Address, City or Town Bluefield
Entity, Address, State or Province VA
Entity, Address, Postal Zip Code 24605-0989
City Area Code 276
Local Phone Number 326-9000
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock
Trading Symbol FCBC
Security Exchange Name NASDAQ
Entity, Emerging Growth Company false
Amendment Flag false
Entity, Central Index Key 0000859070
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