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SAFE & SOUND® STAR RATINGS

1ST COMMUNITY BANK

407 3RD STREET
SHERRARD, Illinois 61281

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of March 31, 2015
Federal Reserve System Identifier 338945




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$70,954$70,709$70,634
Loans Receivable, Net46,03046,58443,550
Mortgage-Backed Securities303450
Investments14,74415,60617,657
Deposits61,69761,70465,508
Borrowings3,0003,0000
Equity6,0765,8234,906
Net Interest Income4831,9541,930
Fee Income2185109
Overhead4071,5891,532
Net Operating Income96422460
Net Income96421449
Ratio Analysis Profitability%%%
Return on Assets *0.600.600.66
Operating Return on Assets *0.600.600.68
Return on Equity *7.387.688.72
Net Interest Margin *3.043.053.05
Fee Income / Assets *0.120.120.16
Overhead / Assets *2.282.272.26
Efficiency Ratio80.2877.1074.66
Asset Quality%%%
Nonperforming Assets / Assets0.580.660.99
Nonperforming Assets / Equity & Loss Reserves6.377.5213.24
Loss Reserves / Nonperforming Loans88.5475.0071.04
1-4 Fam Mtg + MBS / Assets19.8720.997.71
Commercial Real Estate Loans / Assets5.315.2716.61
Construction Loans / Assets0.200.200.24
Commercial & Industrial Loans / Assets10.9910.889.37
Consumer Loans / Assets2.452.532.81
Capitalization%%%
Equity / Assets8.568.246.95
Tangible Capital / Tangible Assets8.568.246.95
Risk-based Capital Ratio13.2712.8911.58
Liquidity%%%
Loans / Deposits74.6175.5066.48
Non-Interest Bearing Deposits / Deposits13.1112.0011.87
Purchased Liabilities19.6919.7915.26

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