FNCB Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

First National Community Bank was established as a National Banking Association in 1910, as "The First National Bank of Dunmore" On October 27, 1987, upon Shareholder approval at a special Shareholder's meeting, the Bank changed its name to "First National Community Bank," effective March 1, 1988. On July 1, 1998, First National Community Bank reorganized into a one-bank holding company, "First National Community Bancorp, Inc".

First National Community Bank operates out of 4 counties in Northeastern PA (Lackawanna, Luzerne, Monroe and Wayne).

First National Community Bank provides personal, small business & commercial banking services to individuals and businesses throughout our footprint. These include a wide variety of deposit products and services, installment loans, lines of credit, personal and commercial fixed and variable rate mortgages, letters of credit, accounts receivable and "Instant Money" overdraft protection to name a few.

First National Community Bank is also in the business of underwriting indirect auto loans that originate through various automobile dealerships throughout Northeastern Pennsylvania.