SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2013
Federal Reserve System Identifier 338945




Financial summary ($ in Thousands)
2013
12 months
2012
Year
2011
Year
Total Assets$70,634$65,246$61,188
Loans Receivable, Net43,55038,90435,700
Mortgage-Backed Securities5074125
Investments17,65718,49613,053
Deposits65,50859,31555,660
Borrowings000
Equity4,9065,7215,289
Net Interest Income1,9301,9911,922
Fee Income10910883
Overhead1,5321,4551,429
Net Operating Income460607536
Net Income449597532
Ratio Analysis Profitability%%%
Return on Assets *0.660.930.91
Operating Return on Assets *0.680.940.92
Return on Equity *8.7210.5910.18
Net Interest Margin *3.053.363.57
Fee Income / Assets *0.160.170.14
Overhead / Assets *2.262.262.45
Efficiency Ratio74.6668.8970.57
Asset Quality%%%
Nonperforming Assets / Assets0.991.761.26
Nonperforming Assets / Equity & Loss Reserves13.2418.6313.53
Loss Reserves / Nonperforming Loans71.0438.501.12
1-4 Fam Mtg + MBS / Assets7.719.5710.18
Commercial Real Estate Loans / Assets16.6117.4417.01
Construction Loans / Assets0.240.180.15
Commercial & Industrial Loans / Assets9.379.577.04
Consumer Loans / Assets2.812.443.00
Capitalization%%%
Equity / Assets6.958.778.64
Tangible Capital / Tangible Assets6.958.778.64
Risk-based Capital Ratio11.5812.8312.66
Liquidity%%%
Loans / Deposits66.4865.5964.14
Non-Interest Bearing Deposits / Deposits11.8712.3610.81
Purchased Liabilities15.2611.0033.79

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