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U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 10-QSB/A
(Mark One)
[X] QUARTERLY REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934 FOR THE QUARTERLY PERIOD ENDED MARCH 31, 1996
[ ] TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE
ACT OF 1934 FOR THE TRANSITION PERIOD FROM _________ TO __________
Commission file number - 33-53596
FC BANC CORP.
(Exact name of small business issuer as specified in its charter)
OHIO 34-1718070
(State or other jurisdiction of (I.R.S. Employer
incorporation or organization) Identification No.)
Farmers Citizens Bank Building,
105 Washington Square
Box 567,
Bucyrus, Ohio 44820-0567
(Address of principal executive offices) (Zip Code)
(419) 562-7040
(Issuer's telephone number)
N/A
(Former name, former address and former fiscal year, if changed since last
report)
Check whether the issuer (1) filed all reports required to be filed by
Section 13 or 15(d) of the Exchange Act during the past 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 X No . . .
Applicable only to issuers involved in bankruptcy proceedings during the
preceding five years
Check whether the registrant filed all documents and reports required to be
filed by Section 12, 13 or 15(d) of the Exchange Act after the distribution of
securities under a plan confirmed by a court. Yes . . No . .
Applicable only to corporate issuers
As of April 30, 1996, 325,020 shares of Common Stock of the Registrant were
outstanding. There were no preferred shares outstanding.
Transitional Small Business Disclosure Format
(Check one): Yes . . No X
<PAGE>
<TABLE>
FC BANC CORP.
BUCYRUS, OHIO
FORM 10-QSB/A
INDEX
<CAPTION>
Page Number
<S>
PART I FINANCIAL INFORMATION
Item. 1. Financial Statements (Unaudited) <C>
Condensed consolidated balance sheets -- N/A
March 31, 1996 and December 31, 1995
Condensed consolidated statements of income -- N/A
Three months ended March 31, 1996 and 1995
Condensed consolidated statements of changes N/A
in shareholders' equity --
Three months ended March 31, 1996 and 1995
Condensed consolidated statements of cash flows -- N/A
Three months ended March 31, 1996 and 1995
Notes to condensed consolidated financial N/A
statements -- March 31, 1996
Item 2. Management's Discussion and Analysis of Financial N/A
Condition and Results of Operations
PART II OTHER INFORMATION
Item 1. Legal Proceedings N/A
Item 2. Changes in Securities N/A
Item 3. Defaults upon Senior Securities N/A
Item 4. Submission of Matters to a Vote of Security Holders N/A
Item 5. Other Information N/A
Item 6. Exhibits - Financial Data Schedule Exhibit
Signatures 3
</TABLE>
<PAGE>
SIGNATURES
In accordance with the requirements of the Securities Exchange Act of 1993,
the registrant has duly caused this report to be signed on its behalf by the
undersigned, thereunto duly authorized.
FC BANC CORP.
Date: June 27, 1996 Phillip W. Gerber
Phillip W. Gerber
President and Chief Executive Officer
Date: June 27, 1996 Phillip W. Gerber
Phillip W. Gerber
Executive Vice President,
Secretary and Treasurer
<PAGE>
<TABLE> <S> <C>
<ARTICLE> 9
<LEGEND>
THE SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE MARCH 31,
1996 & 1995, AND DECEMBER 31, 1995, CONSOLIDATED STATEMENTS OF FINANCIAL
CONDITION AND CONSOLIDATED STATEMENTS OF INCOME AND IS QUALIFIED IN ITS ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS.
</LEGEND>
<CIK> 0000893539
<NAME> FC BANC CORP.
<MULTIPLIER> 1,000
<CURRENCY> U S DOLLARS
<S> <C> <C> <C>
<PERIOD-TYPE> 3-MOS 3-MOS YEAR
<FISCAL-YEAR-END> DEC-31-1996 DEC-31-1995 DEC-31-1995
<PERIOD-START> JAN-01-1996 JAN-01-1995 JAN-01-1995
<PERIOD-END> MAR-31-1996 MAR-31-1995 DEC-31-1995
<EXCHANGE-RATE> 1 1 1
<CASH> 4,770 4,313 5,329
<INT-BEARING-DEPOSITS> 0 200 0
<FED-FUNDS-SOLD> 2,200 1,000 4,200
<TRADING-ASSETS> 0 0 0
<INVESTMENTS-HELD-FOR-SALE> 36,112 24,723 23,869
<INVESTMENTS-CARRYING> 0 12,254 0
<INVESTMENTS-MARKET> 0 12,197 0
<LOANS> 35,652 35,453 37,179
<ALLOWANCE> 1,318 1,808 1,297
<TOTAL-ASSETS> 81,908 80,842 83,698
<DEPOSITS> 70,939 69,563 70,891
<SHORT-TERM> 0 700 1,525
<LIABILITIES-OTHER> 459 327 522
<LONG-TERM> 0 0 0
0 0 0
0 0 0
<COMMON> 832 832 832
<OTHER-SE> 9,678 9,420 9,928
<TOTAL-LIABILITIES-AND-EQUITY> 81,908 80,842 83,698
<INTEREST-LOAN> 821 810 3,354
<INTEREST-INVEST> 496 543 2,022
<INTEREST-OTHER> 57 34 188
<INTEREST-TOTAL> 1,374 1,387 5,564
<INTEREST-DEPOSIT> 571 584 2,403
<INTEREST-EXPENSE> 16 12 39
<INTEREST-INCOME-NET> 787 791 3,122
<LOAN-LOSSES> 0 204 204
<SECURITIES-GAINS> 0 0 0
<EXPENSE-OTHER> 768 652 2,906
<INCOME-PRETAX> 162 55 499
<INCOME-PRE-EXTRAORDINARY> 145 77 533
<EXTRAORDINARY> 0 0 0
<CHANGES> 0 0 0
<NET-INCOME> 145 77 533
<EPS-PRIMARY> .44 .23 1.61
<EPS-DILUTED> .44 .23 1.61
<YIELD-ACTUAL> 3.91 3.43 4.37
<LOANS-NON> 348 277 327
<LOANS-PAST> 59 168 13
<LOANS-TROUBLED> 0 0 0
<LOANS-PROBLEM> 0 0 0
<ALLOWANCE-OPEN> 1,297 1,600 1,600
<CHARGE-OFFS> 14 10 574
<RECOVERIES> 35 14 67
<ALLOWANCE-CLOSE> 1,318 1,808 1,297
<ALLOWANCE-DOMESTIC> 1,318 1,808 1,297
<ALLOWANCE-FOREIGN> 0 0 0
<ALLOWANCE-UNALLOCATED> 309 137 377
</TABLE>
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