SAFE & SOUND® STAR RATINGS

Financial statement

1ST COMMUNITY BANK
407 3RD STREET
SHERRARD, Illinois 61281

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of June 30, 2014
Federal Reserve System Identifier 338945




Financial summary ($ in Thousands)
2014
6 months
2013
Year
2012
Year
Total Assets$67,747$70,634$65,246
Loans Receivable, Net43,84943,55038,904
Mortgage-Backed Securities425074
Investments17,92917,65718,496
Deposits61,13265,50859,315
Borrowings1,00000
Equity5,4094,9065,721
Net Interest Income9621,9301,991
Fee Income40109108
Overhead7861,5321,455
Net Operating Income197460607
Net Income196449597
Ratio Analysis Profitability%%%
Return on Assets *0.560.660.93
Operating Return on Assets *0.560.680.94
Return on Equity *7.588.7210.59
Net Interest Margin *3.003.053.36
Fee Income / Assets *0.140.160.17
Overhead / Assets *2.282.262.26
Efficiency Ratio77.5974.6668.89
Asset Quality%%%
Nonperforming Assets / Assets0.760.991.76
Nonperforming Assets / Equity & Loss Reserves8.8013.2418.63
Loss Reserves / Nonperforming Loans80.2771.0438.50
1-4 Fam Mtg + MBS / Assets21.167.719.57
Commercial Real Estate Loans / Assets5.7716.6117.44
Construction Loans / Assets0.240.240.18
Commercial & Industrial Loans / Assets9.329.379.57
Consumer Loans / Assets2.812.812.44
Capitalization%%%
Equity / Assets7.986.958.77
Tangible Capital / Tangible Assets7.986.958.77
Risk-based Capital Ratio13.1011.5812.83
Liquidity%%%
Loans / Deposits71.7366.4865.59
Non-Interest Bearing Deposits / Deposits10.9811.8712.36
Purchased Liabilities16.8915.2611.00

* Calculations are based on the latest four quarters of income and expense.
Modify Search

Connect with us