10-Q 1 fcbc20230331_10q.htm FORM 10-Q fcbc20230331_10q.htm
0000859070 FIRST COMMUNITY BANKSHARES INC /VA/ false --12-31 Q1 2023 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 24,495,623 16,243,551 23,371,822 16,225,399 0.27 4,536 6,082 132,000 30.96 0.29 2,158 262 1 468 253 6 60 84 13 3.28 2 2 20 100 77 3 3 20 100 69 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 Appraisals may be adjusted by management for customized discounting criteria, estimated sales costs, and proprietary qualitative adjustments. Fair value is generally based on appraisals of the underlying collateral. Represents the loan balance immediately following modification Amortization is included in net periodic pension cost. See Note 10, "Employee Benefit Plans." 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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, 2023

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  May 3, 2023, there were 19,234,637 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 March 31, 2023 (Unaudited) and December 31, 2022

4

   

Condensed Consolidated Statements of Income for the Three Months Ended March 31, 2023 and 2022 (Unaudited) 

5

   

Condensed Consolidated Statements of Comprehensive Income for the Three Months Ended March 31, 2023 and 2022 (Unaudited)

6

   

Condensed Consolidated Statements of Changes in Stockholders’ Equity for the Three Months Ended March 31, 2023 and 2022 (Unaudited)

7

   

Condensed Consolidated Statements of Cash Flows for the Three Months Ended March 31, 2023 and 2022 (Unaudited)

8

   

Notes to Condensed Consolidated Financial Statements (Unaudited)

9

Item 2.

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

33

Item 3.

Quantitative and Qualitative Disclosures About Market Risk

47

Item 4.

Controls and Procedures

47

     

PART II.

OTHER INFORMATION

 
     

Item 1.

Legal Proceedings

47

Item 1A.

Risk Factors

47

Item 2.

Unregistered Sales of Equity Securities and Use of Proceeds

48

Item 3.

Defaults Upon Senior Securities

48

Item 4.

Mine Safety Disclosures

48

Item 5.

Other Information

48

Item 6.

Exhibits

49

     

Signatures

51

 

 

 

 

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, 2022.

 

 

PART I.

FINANCIAL INFORMATION

 

Item 1.     Financial Statements

 

 

CONDENSED CONSOLIDATED BALANCE SHEETS

 

  

March 31,

  

December 31,

 
  

2023

  2022(1) 

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

 

(Unaudited)

     

Assets

        

Cash and due from banks

 $62,309  $63,044 

Federal funds sold

  28,135   105,636 

Interest-bearing deposits in banks

  1,941   2,166 

Total cash and cash equivalents

  92,385   170,846 

Debt securities available for sale

  308,269   300,349 

Loans held for investment, net of unearned income

  2,388,897   2,400,197 

Allowance for credit losses

  (30,789)  (30,556)

Loans held for investment, net

  2,358,108   2,369,641 

Premises and equipment, net

  47,407   47,340 

Other real estate owned

  481   703 

Interest receivable

  8,646   9,279 

Goodwill

  129,565   129,565 

Other intangible assets

  3,942   4,176 

Other assets

  102,869   103,673 

Total assets

 $3,051,672  $3,135,572 
         

Liabilities

        

Deposits

        

Noninterest-bearing

 $823,297  $872,168 

Interest-bearing

  1,761,327   1,806,647 

Total deposits

  2,584,624   2,678,815 

Securities sold under agreements to repurchase

  1,866   1,874 

Interest, taxes, and other liabilities

  33,451   32,898 

Total liabilities

  2,619,941   2,713,587 
         

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; 24,495,623 shares issued and 16,243,551 outstanding at March 31, 2023; 23,371,822 shares issued and 16,225,399 outstanding at December 31, 2022

  16,243   16,225 

Additional paid-in capital

  128,666   128,508 

Retained earnings

  300,047   292,971 

Accumulated other comprehensive loss

  (13,225)  (15,719)

Total stockholders' equity

  431,731   421,985 

Total liabilities and stockholders' equity

 $3,051,672  $3,135,572 

 


(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)

 

2023

   

2022

 

Interest income

               

Interest and fees on loans

  $ 27,628     $ 24,641  

Interest on securities -- taxable

    1,934       556  

Interest on securities -- tax-exempt

    165       194  

Interest on deposits in banks

    462       248  

Total interest income

    30,189       25,639  

Interest expense

               

Interest on deposits

    718       486  

Interest on short-term borrowings

    59       -  

Total interest expense

    777       486  

Net interest income

    29,412       25,153  

Provision for credit losses

    1,742       1,961  

Net interest income after provision for loan losses

    27,670       23,192  

Noninterest income

               

Wealth management

    1,017       972  

Service charges on deposits

    3,159       3,498  

Other service charges and fees

    3,082       3,017  

Gain on sale of securities

    7       -  

Other operating income

    1,318       1,707  

Total noninterest income

    8,583       9,194  

Noninterest expense

               

Salaries and employee benefits

    11,595       11,671  

Occupancy expense

    1,168       1,269  

Furniture and equipment expense

    1,401       1,614  

Service fees

    2,019       1,503  

Advertising and public relations

    643       540  

Professional fees

    327       453  

Amortization of intangibles

    234       357  

FDIC premiums and assessments

    320       218  

Merger expenses

    379       -  

Other operating expense

    2,727       2,361  

Total noninterest expense

    20,813       19,986  

Income before income taxes

    15,440       12,400  

Income tax expense

    3,658       2,885  

Net income

  $ 11,782     $ 9,515  
                 

Earnings per common share

               

Basic

  $ 0.73     $ 0.57  

Diluted

    0.72       0.56  

Weighted average shares outstanding

               

Basic

    16,228,297       16,817,284  

Diluted

    16,289,489       16,864,515  

 

See Notes to Condensed Consolidated Financial Statements.

 

 

 

CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)

 

   

Three Months Ended

 
   

March 31,

 
   

2023

   

2022

 

(Amounts in thousands)

               

Net income

  $ 11,782     $ 9,515  

Other comprehensive income (loss), before tax

               

Available-for-sale debt securities:

               

Change in net unrealized losses on debt securities

    3,163       (5,896 )

Reclassification adjustment for gains recognized in net income

    (7 )     -  

Net unrealized gains on available-for-sale debt securities

    3,156       (5,896 )

Employee benefit plans:

               

Net actuarial loss

    (33 )     (423 )

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

    33       34  

Net unrealized losses on employee benefit plans

    -       (389 )

Other comprehensive income (loss), before tax

    3,156       (6,285 )

Income tax expense (benefit)

    662       (1,319 )

Other comprehensive income (loss), net of tax

    2,494       (4,966 )

Total comprehensive income

  $ 14,276     $ 4,549  

 

See Notes to Condensed Consolidated Financial Statements.

 

 

 

CONDENSED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED)

THREE MONTHS ENDED

March 31, 2023 and 2022

 

                                 
                          

Accumulated

     
  

Preferred

      

Common

      

Additional

      

Other

     

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

 

Stock Outstanding

  

Preferred Stock

  

Stock Outstanding

  

Common Stock

  

Paid-in Capital

  

Retained Earnings

  

Comprehensive Loss

  

Total

 
                                 

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 132,000 common 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 
                                 

Balance January 1, 2023

  -  $-   16,225,399  $16,225  $128,508  $292,971  $(15,719) $421,985 

Net income

  -   -   -   -   -   11,782   -   11,782 

Other comprehensive income

  -   -   -   -   -   -   2,494   2,494 

Common dividends declared -- $0.29 per share

  -   -   -   -   -   (4,706)  -   (4,706)

Equity-based compensation expense

  -   -   15,732   16   104   -   -   120 

Common stock options exercised -- 2,158 shares

  -   -   2,158   2   46   -   -   48 

Issuance of common stock to 401(k) plan -- 262 shares

  -   -   262   -   8   -   -   8 

Balance March 31, 2023

  -  $-   16,243,551  $16,243  $128,666  $300,047  $(13,225) $431,731 

 

See Notes to Condensed Consolidated Financial Statements.

 

 

 

CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)

 

   

Three Months Ended

 
   

March 31,

 

(Amounts in thousands)

 

2023

   

2022

 

Operating activities

               

Net income

  $ 11,782     $ 9,515  

Adjustments to reconcile net income to net cash provided by operating activities

               

Provision for credit losses for loans

    1,742       1,961  

Depreciation and amortization of premises and equipment

    921       1,108  

(Accretion) amortization of premiums (discounts) on investments, net

    (523 )     100  

Amortization of intangible assets

    234       357  

Accretion on acquired loans

    (193 )     (866 )

Equity-based compensation expense

    120       172  

Issuance of common stock to 401(k) plan

    8       185  

(Gain) loss on sale of premises and equipment, net

    (2 )     (392 )

Loss (gain) on sale of other real estate owned

    51       (5 )

Gain on sale of securities

    (7 )     -  

Decrease (increase) in accrued interest receivable

    633       (200 )

Decrease (increase) in other operating activities

    1,061       (1,497 )

Net cash provided by operating activities

    15,827       10,438  

Investing activities

               

Proceeds from sale of securities available for sale

    17,007       -  

Proceeds from maturities, prepayments, and calls of securities available for sale

    10,618       4,763  

Payments to acquire securities available for sale

    (31,859 )     (203,170 )

Net decrease (increase) in loans

    9,695       (78,716 )

Purchase of FHLB stock, net

    (3,829 )     (238 )

Proceeds from bank owned life insurance

    3,717       -  

Proceeds from sale of premises and equipment

    4       796  

Payments to acquire premises and equipment

    (1,012 )     (175 )

Proceeds from sale of other real estate owned

    228       189  

Net cash provided (used) by investing activities

    4,569       (276,551 )

Financing activities

               

(Decrease) increase in noninterest-bearing deposits, net

    (48,871 )     17,869  

(Decrease) increase in interest-bearing deposits, net

    (45,320 )     35,684  

(Repayments) proceeds from securities sold under agreements to repurchase, net

    (8 )     952  

Proceeds from stock options exercised

    48       103  

Payments for repurchase of common stock

    -       (4,087 )

Payments of common dividends

    (4,706 )     (4,541 )

Net cash (used) provided by financing activities

    (98,857 )     45,980  

Net (decrease) increase in cash and cash equivalents

    (78,461 )     (220,133 )

Cash and cash equivalents at beginning of period

    170,846       677,439  

Cash and cash equivalents at end of period

  $ 92,385