10-Q 1 fcbc20240930_10q.htm FORM 10-Q fcbc20240930_10q.htm
0000859070 FIRST COMMUNITY BANKSHARES INC /VA/ false --12-31 Q3 2024 0 0 1,000,000 1,000,000 0.01 0.01 25,000 25,000 0 0 1 1 50,000,000 50,000,000 27,568,383 18,290,938 27,522,547 18,502,396 0.29 31.33 0.31 36.48 0.87 29.48 0.89 33.88 0 0 0 0 0 0 2 60 2 84 60 84 0 0 12 12 65 42 60 false false false false 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 Adjustment reflects the fair value adjustments of $(15.80) million based on the Company's evaluation of the acquired loan portfolio and excludes the allowance for credit losses and deferred loans fees of $2.94 million as recorded by Surrey. Fair value is generally based on appraisals of the underlying collateral. Adjustment to reclass deferred tax asset $(99) thousand, goodwill $(282) thousand, federal income tax payable $(389) thousand, and state income tax payable $8 thousand. Derived from audited financial statements Adjustment to record the core deposit intangible on the acquired deposit accounts. Adjustment reflects the fair value adjustment based on the Company's evaluation of the time deposit portfolio. Adjustment reflects the fair value adjustment based on the Company's evaluation of stocks with other banks of $47 thousand. Appraisals may be adjusted by management for customized discounting criteria, estimated sales costs, and proprietary qualitative adjustments. Adjustment to record the deferred tax asset related to the fair value adjustments $(177) thousand. Adjustment reflects the fair value adjustments based on the Company's evaluation of the acquired premises and equipment. Adjustment reflects the fair value adjustment based on the Company's evaluation of the acquired investment portfolio. 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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 September 30, 2024

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)

 
   

 

 Not Applicable 
(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  October 29, 2024, there were 18,290,938 shares outstanding of the registrant’s Common Stock, $1.00 par value.

 

 

 

FIRST COMMUNITY BANKSHARES, INC.

FORM 10-Q

INDEX

 

PART I.

FINANCIAL INFORMATION

Page

     

Item 1.

Financial Statements

 
   

Condensed Consolidated Balance Sheets as of September 30, 2024 (Unaudited) and December 31, 2023

4

   

Condensed Consolidated Statements of Income for the Three and Nine Months Ended September 30, 2024 and 2023 (Unaudited) 

5

   

Condensed Consolidated Statements of Comprehensive Income for the Three Months and Nine Ended September 30, 2024 and 2023 (Unaudited)

6

   

Condensed Consolidated Statements of Changes in Stockholders’ Equity for the Three and Nine Months Ended September 30, 2024 and 2023 (Unaudited)

7

   

Condensed Consolidated Statements of Cash Flows for the Nine Months Ended September 30, 2024 and 2023 (Unaudited)

9

   

Notes to Condensed Consolidated Financial Statements (Unaudited)

10

Item 2.

Management’s Discussion and Analysis of Financial Condition and Results of Operations

37

Item 3.

Quantitative and Qualitative Disclosures About Market Risk

52

Item 4.

Controls and Procedures

52

     

PART II.

OTHER INFORMATION

 
     

Item 1.

Legal Proceedings

52

Item 1A.

Risk Factors

52

Item 2.

Unregistered Sales of Equity Securities and Use of Proceeds

53

Item 3.

Defaults Upon Senior Securities

53

Item 4.

Mine Safety Disclosures

53

Item 5.

Other Information

53

Item 6.

Exhibits

54

     

Signatures

56

 

 

 

 

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:

 

 

inflation, interest rate, market and monetary fluctuations;

  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;

 

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;

 

technological changes;

 

the cost and effects of cyber incidents or other failures, interruptions, or security breaches of our systems or those of third-party providers;

  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; 
 

the effect of acquisitions, including, without limitation, the failure to achieve the expected revenue growth and/or expense savings from such acquisitions;

 

the sustainability of noninterest, or fee, income being less than expected;

 

unanticipated regulatory or judicial proceedings;

 

changes in consumer spending and saving habits; and

 

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, 2023.

 

 

PART I.

FINANCIAL INFORMATION

 

Item 1.     Financial Statements

 

 

CONDENSED CONSOLIDATED BALANCE SHEETS

 

  

September 30,

  

December 31,

 
  

2024

  2023(1) 

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

 

(Unaudited)

     

Assets

        

Cash and due from banks

 $89,068  $77,563 

Federal funds sold

  224,378   37,312 

Interest-bearing deposits in banks

  1,892   1,545 

Total cash and cash equivalents

  315,338   116,420 

Debt securities available-for-sale, at fair value

  166,669   280,961 

Loans held for investment, net of unearned income

  2,444,113   2,572,298 

Allowance for credit losses

  (35,118)  (36,189)

Loans held for investment, net

  2,408,995   2,536,109 

Premises and equipment, net

  49,654   50,680 

Other real estate owned

  346   192 

Interest receivable

  9,883   10,881 

Goodwill

  143,946   143,946 

Other intangible assets

  13,550   15,145 

Other assets

  115,980   114,211 

Total assets

 $3,224,361  $3,268,545 
         

Liabilities

        

Deposits

        

Noninterest-bearing

 $869,723  $931,920 

Interest-bearing

  1,789,530   1,790,405 

Total deposits

  2,659,253   2,722,325 

Securities sold under agreements to repurchase

  954   1,119 

Interest, taxes, and other liabilities

  43,460   41,807 

Total liabilities

  2,703,667   2,765,251 
         

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; 27,568,383 shares issued and 18,290,938 outstanding at September 30, 2024; 27,522,547 shares issued and 18,502,396 outstanding at December 31, 2023

  18,291   18,502 

Additional paid-in capital

  168,691   175,841 

Retained earnings

  342,121   319,902 

Accumulated other comprehensive loss

  (8,409)  (10,951)

Total stockholders' equity

  520,694   503,294 

Total liabilities and stockholders' equity

 $3,224,361  $3,268,545 

 


(1)   Derived from audited financial statements

  

See Notes to Condensed Consolidated Financial Statements.

 

 

 

CONDENSED CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED)

 

   

Three Months Ended

   

Nine Months Ended

 
   

September 30,

   

September 30,

 

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

 

2024

   

2023

   

2024

   

2023

 

Interest income

                               

Interest and fees on loans

  $ 32,120     $ 33,496     $ 98,234     $ 93,051  

Interest on securities -- taxable

    961       1,765       3,613       5,597  

Interest on securities -- tax-exempt

    109       147       366       471  

Interest on deposits in banks

    3,702       697       7,497       2,044  

Total interest income

    36,892       36,105       109,710       101,163  

Interest expense

                               

Interest on deposits

    5,298       2,758       14,540       5,406  

Interest on short-term borrowings

    -       -       35       136  

Total interest expense

    5,298       2,758       14,575       5,542  

Net interest income

    31,594       33,347       95,135       95,621  

Provision for credit losses

    1,360       1,109       2,515       6,956  

Net interest income after provision for credit losses

    30,234       32,238       92,620       88,665  

Noninterest income

                               

Wealth management

    1,071       1,145       3,234       3,127  

Service charges on deposits

    3,661       3,729       10,399       10,359  

Other service charges and fees

    3,697       3,564       10,817       10,106  

Gain on sale of securities

    -       -       -       (21 )

Other operating income

    2,023       1,184       4,603       3,419  

Total noninterest income

    10,452       9,622       29,053       26,990  

Noninterest expense

                               

Salaries and employee benefits

    13,129       12,673       38,201       36,954  

Occupancy expense

    1,270       1,271       3,957       3,715  

Furniture and equipment expense

    1,574       1,480       4,806       4,389  

Service fees

    2,461       2,350       7,337       6,653  

Advertising and public relations

    967       968       2,696       2,457  

Professional fees

    221       172       923       780  

Amortization of intangibles

    536       536       1,596       1,195  

FDIC premiums and assessments

    365       392       1,098       1,135  

Merger expenses

    -       -       -       2,393  

Litigation expense

    -       -       1,800       -  

Other operating expense

    3,654       3,071       10,046       8,726  

Total noninterest expense

    24,177       22,913       72,460       68,397  

Income before income taxes

    16,509       18,947       49,213       47,258  

Income tax expense

    3,476       4,307       10,649       11,022  

Net income

  $ 13,033     $ 14,640     $ 38,564     $ 36,236  
                                 

Earnings per common share

                               

Basic

  $ 0.71     $ 0.78     $ 2.10     $ 2.03  

Diluted

    0.71       0.79       2.09       2.06  

Weighted average shares outstanding

                               

Basic

    18,279,612       18,786,032       18,366,249       17,816,505  

Diluted

    18,371,907       18,831,836       18,432,023       17,857,494  

 

See Notes to Condensed Consolidated Financial Statements.

 

 

 

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)

 

   

Three Months Ended

   

Nine Months Ended

 
   

September 30,

   

September 30,

 
   

2024

   

2023

   

2024

   

2023

 

(Amounts in thousands)

                               

Net income

  $ 13,033     $ 14,640     $ 38,564     $ 36,236  

Other comprehensive income (loss), before tax

                               

Available-for-sale debt securities:

                               

Change in net unrealized gains (losses) gains on debt securities

    5,070       (3,776 )     3,218       (2,206 )

Reclassification adjustment for loss recognized in net income

    -       -       -       21  

Net unrealized gains (losses) on available-for-sale debt securities

    5,070       (3,776 )     3,218       (2,185 )

Employee benefit plans:

                               

Net actuarial loss

    (10 )     (32 )     (28 )     (95 )

Reclassification adjustment for amortization of prior service cost and net actuarial loss recognized in net income

    10       32       28       95  

Net unrealized gains (losses) on employee benefit plans

    -       -       -       -  

Other comprehensive income (loss), before tax

    5,070       (3,776 )     3,218       (2,185 )

Income tax expense (benefit) expense

    1,065       (793 )     676       (460 )

Other comprehensive gain (loss), net of tax

    4,005       (2,983 )     2,542       (