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Calculated adjustment to the ACL related to the adoption of ASU 2016-13. Includes additional reserve related to purchased deteriorated loans of $5.88 million.
The recorded investment in consumer mortgage loans collateralized by residential real estate that are in the process of foreclosure according to local requirements of the applicable jurisdiction
Fair value is generally based on appraisals of the underlying collateral.
Represents the loan balance immediately following modification
Net adjustment to retained earnings related to the adoption of ASU 2016-13.
Derived from audited financial statements
Per our analysis no ACL was necessary for investment securities available for sale.
Accrued interest receivable from acquired credit impaired loans of $57 thousand was reclassed to other assets and was offset by the reclass of the grossed up credit discount on acquired credit impaired loans of $57 thousand that was moved to the ACL for the purchased credit deteriorated loans.
Appraisals may be adjusted by management for customized discounting criteria, estimated sales costs, and proprietary qualitative adjustments.
Adjustment to the reserve for unfunded commitments related to the adoption of ASU 2016-13.
Effect of deferred tax assets related to the adjustment to the ACL form the adoption of ASU 2016-13 using a 23.37% tax rate.
Includes FHLB letters of credit
Nonaccrual TDRs are included in total nonaccrual loans disclosed in the nonaccrual table above.
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Table of Contents
UNITED STATES |
SECURITIES AND EXCHANGE COMMISSION |
WASHINGTON, D.C. 20549 |
|
FORM 10-Q |
|
☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|
For the quarterly period ended March 31, 2022 |
or |
|
☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|
Commission file number: 000-19297 |
|
| FIRST COMMUNITY BANKSHARES, INC. | |
| (Exact name of registrant as specified in its charter) | |
Virginia | | 55-0694814 |
(State or other jurisdiction of incorporation or organization) | | (IRS Employer Identification No.) |
P.O. Box 989 Bluefield, Virginia | | 24605-0989 |
(Address of principal executive offices) | | (Zip Code) |
| (276) 326-9000 | |
| (Registrant’s telephone number, including area code) | |
| | |
(Former name, former address and former fiscal year, if changed since last report) |
|
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 (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. |
☑ Yes ☐ No |
|
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). |
☑ Yes ☐ No |
|
Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in Rule 12b-2 of the Exchange Act. |
|
| Large accelerated filer ☐ | Accelerated filer ☑ |
| Non-accelerated filer ☐ | Smaller reporting company ☐ |
| | 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. ☐ |
|
Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). |
☐ Yes ☑ No |
|
As of April 29, 2022, there were 16,735,375 shares outstanding of the registrant’s Common Stock, $1.00 par value. |
CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS
Forward-looking statements in filings with the Securities and Exchange Commission, including this Quarterly Report on Form 10-Q and the accompanying Exhibits, filings incorporated by reference, reports to shareholders, and other communications that represent the Company’s beliefs, plans, objectives, goals, guidelines, expectations, anticipations, estimates, and intentions are made in good faith pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. These statements are not guarantees of future performance and involve certain risks, uncertainties, and assumptions that are difficult to predict. The words “may,” “could,” “should,” “would,” “believe,” “anticipate,” “estimate,” “expect,” “intend,” “plan,” and other similar expressions identify forward-looking statements. The following factors, among others, could cause financial performance to differ materially from that expressed in such forward-looking statements:
|
● |
the effects of the COVID-19 pandemic, including the negative impacts and disruptions to the communities the Company serves, and the domestic and global economy, which may have an adverse effect on the Company’s business; |
|
● |
the strength of the U.S. economy in general and the strength of the local economies in which we conduct operations; |
|
● |
the effects of, and changes in, trade, monetary, and fiscal policies and laws, including interest rate policies of the Federal Reserve System; |
|
● |
inflation, interest rate, market and monetary fluctuations; |
|
● |
timely development of competitive new products and services and the acceptance of these products and services by new and existing customers; |
|
● |
the willingness of customers to substitute competitors’ products and services for the Company’s products and services and vice versa; |
|
● |
the impact of changes in financial services laws and regulations, including laws about taxes, banking, securities, and insurance; |
|
● |
the impact of the U.S. Department of the Treasury and federal banking regulators’ continued implementation of programs to address capital and liquidity in the banking system; |
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the cost and effects of cyber incidents or other failures, interruptions, or security breaches of our systems or those of third-party providers; |
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the effect of changes in accounting policies and practices, as may be adopted by the regulatory agencies, as well as the Public Company Accounting Oversight Board, the Financial Accounting Standards Board, and other accounting standard setters; |
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the effect of acquisitions, including, without limitation, the failure to achieve the expected revenue growth and/or expense savings from such acquisitions; |
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the growth and profitability of noninterest, or fee, income being less than expected; |
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unanticipated regulatory or judicial proceedings; |
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changes in consumer spending and saving habits; and |
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the Company’s success at managing the risks mentioned above. |
This list of important factors is not exclusive. If one or more of the factors affecting these forward-looking statements proves incorrect, actual results, performance, or achievements could differ materially from those expressed in, or implied by, forward-looking statements contained in this Quarterly Report on Form 10-Q and other reports we file with the Securities and Exchange Commission. Therefore, the Company cautions you not to place undue reliance on forward-looking information and statements. The Company does not intend to update any forward-looking statements, whether written or oral, to reflect changes. These cautionary statements expressly qualify all forward-looking statements that apply to the Company including the risk factors presented in Part II, Item 1A, “Risk Factors,” of this Quarterly Report on Form 10-Q and Part I, Item 1A, “Risk Factors,” of the Company’s Annual Report on Form 10-K for the year ended December 31, 2021.
PART I. |
FINANCIAL INFORMATION |
Item 1. Financial Statements
CONDENSED CONSOLIDATED BALANCE SHEETS |
| | March 31, | | | December 31, | |
| | 2022 | | | 2021(1) | |
(Amounts in thousands, except share and per share data) | | (Unaudited) | | | | | |
Assets | | | | | | | | |
Cash and due from banks | | $ | 50,485 | | | $ | 47,067 | |
Federal funds sold | | | 403,742 | | | | 627,036 | |
Interest-bearing deposits in banks | | | 3,079 | | | | 3,336 | |
Total cash and cash equivalents | | | 457,306 | | | | 677,439 | |
Debt securities available for sale | | | 268,703 | | | | 76,292 | |
Loans held for investment, net of unearned income | | | 2,244,296 | | | | 2,165,569 | |
Allowance for credit losses | | | (28,981 | ) | | | (27,858 | ) |
Loans held for investment, net | | | 2,215,315 | | | | 2,137,711 | |
Premises and equipment, net | | | 50,912 | | | | 52,284 | |
Other real estate owned | | | 848 | | | | 1,015 | |
Interest receivable | | | 8,100 | | | | 7,900 | |
Goodwill | | | 129,565 | | | | 129,565 | |
Other intangible assets | | | 5,266 | | | | 5,622 | |
Other assets | | | 108,112 | | | | 106,691 | |
Total assets | | $ | 3,244,127 | | | $ | 3,194,519 | |
| | | | | | | | |
Liabilities | | | | | | | | |
Deposits | | | | | | | | |
Noninterest-bearing | | $ | 860,652 | | | $ | 842,783 | |
Interest-bearing | | | 1,922,292 | | | | 1,886,608 | |
Total deposits | | | 2,782,944 | | | | 2,729,391 | |
Securities sold under agreements to repurchase | | | 2,488 | | | | 1,536 | |
Interest, taxes, and other liabilities | | | 34,539 | | | | 35,817 | |
Total liabilities | | | 2,819,971 | | | | 2,766,744 | |
| | | | | | | | |
Stockholders' equity | | | | | | | | |
Preferred stock, undesignated par value; 1,000,000 shares authorized; Series A Noncumulative Convertible Preferred Stock, $0.01 par value; 25,000 shares authorized; none outstanding | | | - | | | | - | |
Common stock, $1 par value; 50,000,000 shares authorized; 23,910,857 shares issued and 16,781,975 outstanding at March 31, 2022; 23,971,347 shares issued and 16,878,220 outstanding at December 31, 2021 | | | 16,782 | | | | 16,878 | |
Additional paid-in capital | | | 144,088 | | | | 147,619 | |
Retained earnings | | | 269,798 | | | | 264,824 | |
Accumulated other comprehensive loss | | | (6,512 | ) | | | (1,546 | ) |
Total stockholders' equity | | | 424,156 | | | | 427,775 | |
Total liabilities and stockholders' equity | | $ | 3,244,127 | | | $ | 3,194,519 | |
(1) Derived from audited financial statements |
|
|
|
|
See Notes to Condensed Consolidated Financial Statements. |
|
|
|
|
CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) |
|
|
Three Months Ended |
|
|
|
March 31, |
|
(Amounts in thousands, except share and per share data) |
|
2022 |
|
|
2021 |
|
Interest income |
|
|
|
|
|
|
|
|
Interest and fees on loans |
|
$ |
24,641 |
|
|
$ |
26,540 |
|
Interest on securities -- taxable |
|
|
556 |
|
|
|
198 |
|
Interest on securities -- tax-exempt |
|
|
194 |
|
|
|
297 |
|
Interest on deposits in banks |
|
|
248 |
|
|
|
116 |
|
Total interest income |
|
|
25,639 |
|
|
|
27,151 |
|
Interest expense |
|
|
|
|
|
|
|
|
Interest on deposits |
|
|
486 |
|
|
|
869 |
|
Total interest expense |
|
|
486 |
|
|
|
869 |
|
Net interest income |
|
|
25,153 |
|
|
|
26,282 |
|
Provision for (recovery of) credit losses |
|
|
1,961 |
|
|
|
(4,001 |
) |
Net interest income after provision for loan losses |
|
|
23,192 |
|
|
|
30,283 |
|
Noninterest income |
|
|
|
|
|
|
|
|
Wealth management |
|
|
972 |
|
|
|
881 |
|
Service charges on deposits |
|
|
3,498 |
|
|
|
3,031 |
|
Other service charges and fees |
|
|
3,017 |
|
|
|
3,022 |
|
Other operating income |
|
|
1,707 |
|
|
|
635 |
|
Total noninterest income |
|
|
9,194 |
|
|
|
7,569 |
|
Noninterest expense |
|
|
|
|
|
|
|
|
Salaries and employee benefits |
|
|
11,671 |
|
|
|
10,884 |
|
Occupancy expense |
|
|
1,269 |
|
|
|
1,275 |
|
Furniture and equipment expense |
|
|
1,614 |
|
|
|
1,367 |
|
Service fees |
|
|
1,503 |
|
|
|
1,335 |
|
Advertising and public relations |
|
|
540 |
|
|
|
335 |
|
Professional fees |
|
|
453 |
|
|
|
466 |
|
Amortization of intangibles |
|
|
357 |
|
|
|
357 |
|
FDIC premiums and assessments |
|
|
218 |
|
|
|
199 |
|
Other operating expense |
|
|
2,361 |
|
|
|
2,602 |
|
Total noninterest expense |
|
|
19,986 |
|
|
|
18,820 |
|
Income before income taxes |
|
|
12,400 |
|
|
|
19,032 |
|
Income tax expense |
|
|
2,885 |
|
|
|
4,430 |
|
Net income |
|
$ |
9,515 |
|
|
$ |
14,602 |
|
|
|
|
|
|
|
|
|
|
Earnings per common share |
|
|
|
|
|
|
|
|
Basic |
|
$ |
0.57 |
|
|
$ |
0.83 |
|
Diluted |
|
|
0.56 |
|
|
|
0.82 |
|
Weighted average shares outstanding |
|
|
|
|
|
|
|
|
Basic |
|
|
16,817,284 |
|
|
|
17,669,937 |
|
Diluted |
|
|
16,864,515 |
|
|
|
17,729,185 |
|
See Notes to Condensed Consolidated Financial Statements. |
CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) |
| | Three Months Ended | |
| | March 31, | |
| | 2022 | | | 2021 | |
(Amounts in thousands) | | | | | | | | |
Net income | | $ | 9,515 | | | $ | 14,602 | |
Other comprehensive income, before tax | | | | | | | | |
Available-for-sale debt securities: | | | | | | | | |
Change in net unrealized losses on debt securities | | | (5,896 | ) | | | (817 | ) |
Net unrealized losses on available-for-sale debt securities | | | (5,896 | ) | | | (817 | ) |
Employee benefit plans: | | | | | | | | |
Net actuarial loss | | | (423 | ) | | | (206 | ) |
Reclassification adjustment for amortization of prior service cost and net actuarial loss recognized in net income | | | 34 | | | | 97 | |
Net unrealized losses on employee benefit plans | | | (389 | ) | | | (109 | ) |
Other comprehensive loss, before tax | | | (6,285 | ) | | | (926 | ) |
Income tax benefit | | | (1,319 | ) | | | (194 | ) |
Other comprehensive loss, net of tax | | | (4,966 | ) | | | (732 | ) |
Total comprehensive income | | $ | 4,549 | | | $ | 13,870 | |
See Notes to Condensed Consolidated Financial Statements. |
CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) |
THREE MONTHS ENDED |
March 31, 2022 and 2021 |
| | | | | | | | | | | | | | | | | | | | | | | | | | Accumulated | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | Other | | | | | |
(Amounts in thousands, | | Preferred | | | | | | | Common | | | | | | | Additional | | | | | | | Comprehensive | | | | | |
except share and per share data) | | Stock Outstanding | | | Preferred Stock | | | Stock Outstanding | | | Common Stock | | | Paid-in Capital | | | Retained Earnings | | | Loss | | | Total | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Balance January 1, 2021 | | | - | | | $ | - | | | | 17,722,507 | | | $ | 17,723 | | | $ | 173,345 | | | $ | 237,585 | | | $ | (1,923 | ) | | $ | 426,730 | |
Cumulative effect of adoption of ASU 2016-13 | | | - | | | | - | | | | - | | | | - | | | | - | | | | (5,870 | ) | | | - | | | | (5,870 | ) |
Net income | | | - | | | | - | | | | - | | | | - | | | | - | | | | 14,602 | | | | - | | | | 14,602 | |
Other comprehensive loss | | | - | | | | - | | | | - | | | | - | | | | - | | | | - | | | | (732 | ) | | | (732 | ) |
Common dividends declared -- $0.25 per share | | | - | | | | - | | | | - | | | | - | | | | - | | | | (4,428 | ) | | | - | | | | (4,428 | ) |
Equity-based compensation expense | | | - | | | | - | | | | 51,550 | | | | 51 | | | | 483 | | | | - | | | | - | | | | 534 | |
Issuance of common stock to 401(k) plan -- 5,652 shares | | | - | | | | - | | | | 5,652 | | | | 6 | | | | 142 | | | | - | | | | - | | | | 148 | |
Repurchase of common shares -- 187,700 shares at $26.56 per share | | | - | | | | - | | | | (187,700 | ) | | | (188 | ) | | | (4,797 | ) | | | - | | | | - | | | | (4,985 | ) |
Balance March 31, 2021 | | | - | | | $ | - | | | | 17,592,009 | | | $ | 17,592 | | | $ | 169,173 | | | $ | 241,889 | | | $ | (2,655 | ) | | $ | 425,999 | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
Balance January 1, 2022 | | | - | | | $ | - | | | | 16,878,220 | | | $ | 16,878 | | | $ | 147,619 | | | $ | 264,824 | | | $ | (1,546 | ) | | $ | 427,775 | |
Net income | | | - | | | | - | | | | - | | | | - | | | | - | | | | 9,515 | | | | - | | | | 9,515 | |
Other comprehensive loss | | | - | | | | - | | | | - | | | | - | | | | - | | | | - | | | | (4,966 | ) | | | (4,966 | ) |
Common dividends declared -- $0.27 per share | | | - | | | | - | | | | - | | | | - | | | | - | | | | (4,541 | ) | | | - | | | | (4,541 | ) |
Equity-based compensation expense | | | - | | | | - | | | | 25,137 | | | | 25 | | | | 147 | | | | - | | | | - | | | | 172 | |
Common stock options exercised -- 4,536 shares | | | - | | | | - | | | | 4,536 | | | | 5 | | | | 98 | | | | - | | | | - | | | | 103 | |
Issuance of common stock to 401(k) plan -- 6,082 shares | | | - | | | | - | | | | 6,082 | | | | 6 | | | | 179 | | | | - | | | | - | | | | 185 | |
Repurchase of common shares -- 132,000 shares at $30.96 per share | | | - | | | | - | | | | (132,000 | ) | | | (132 | ) | | | (3,955 | ) | | | - | | | | - | | | | (4,087 | ) |
Balance March 31, 2022 | | | - | | | $ | - | | | | 16,781,975 | | | $ | 16,782 | | | $ | 144,088 | | | $ | 269,798 | | | $ | (6,512 | ) | | $ | 424,156 | |
See Notes to Condensed Consolidated Financial Statements. |
CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) |
| | Three Months Ended | |
| | March 31, | |
(Amounts in thousands) | | 2022 | | | 2021 | |
Operating activities | | | | | | | | |
Net income | | $ | 9,515 | | | $ | 14,602 | |
Adjustments to reconcile net income to net cash provided by operating activities | | | | | | | | |
Provision for (recovery of) credit losses | | | 1,961 | | | | (4,001 | ) |
Depreciation and amortization of premises and equipment | | | 1,108 | | | | 1,125 | |
Amortization of premiums on investments, net | | | 100 | | | | 85 | |
Amortization of FDIC indemnification asset, net | | | - | | | | 280 | |
Amortization of intangible assets | | | 357 | | | | 357 | |
Accretion on acquired loans | | | (866 | ) | | | (1,187 | ) |
Equity-based compensation expense | | | 172 | | | | 402 | |
Issuance of common stock to 401(k) plan | | | 185 | | | | 148 | |
Gain on sale of premises and equipment, net | | | (392 | ) | | | (64 | ) |
(Gain) loss on sale of other real estate owned | | | (5 | ) | | | 316 | |
(Decrease) increase in accrued interest receivable | | | (200 | ) | | | 328 | |
(Decrease) increase in other operating activities | | | (1,497 | ) | | | 224 | |
Net cash provided by operating activities | | | 10,438 | | | | 12,615 | |
Investing activities | | | | | | | | |
Proceeds from maturities, prepayments, and calls of securities available for sale | | | 4,763 | | | | 6,489 | |
Payments to acquire securities available for sale | | | (203,170 | ) | | | (11,675 | ) |
Net (Increase) decrease in loans | | | (78,716 | ) | | | 45,985 | |
(Purchase of) proceeds from FHLB stock, net | | | (238 | ) | | | 1,012 | |
Payments to the FDIC | | | - | | | | (3 | ) |
Proceeds from sale of premises and equipment | | | 796 | | | | 128 | |
Payments to acquire premises and equipment | | | (175 | ) | | | (922 | ) |
Proceeds from sale of other real estate owned | | | 189 | | | | 428 | |
Net cash (used) provided by investing activities | | | (276,551 | ) | | | 41,442 | |
Financing activities | | | | | | | | |
Increase in noninterest-bearing deposits, net | | | 17,869 | | | | 51,781 | |
Increase in interest-bearing deposits, net | | | 35,684 | | | | 75,072 | |
Proceeds from securities sold under agreements to repurchase, net | | | 952 | | | | 555 | |
Proceeds from stock options exercised | | | 103 | | | | 132 | |
Payments for repurchase of common stock | | | (4,087 | ) | | | (4,985 | ) |
Payments of common dividends | | | (4,541 | ) | | | (4,428 | |