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SAFE & SOUND® STAR RATINGS

1ST COMMUNITY BANK

407 3RD STREET
SHERRARD, Illinois 61281

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of September 30, 2015
Federal Reserve System Identifier 338945




Financial summary ($ in Thousands)
2015
9 months
2014
Year
2013
Year
Total Assets$69,500$70,709$70,634
Loans Receivable, Net45,54846,58443,550
Mortgage-Backed Securities233450
Investments16,21315,60617,657
Deposits60,10561,70465,508
Borrowings3,0003,0000
Equity6,1945,8234,906
Net Interest Income1,4501,9541,930
Fee Income6985109
Overhead1,2541,5891,532
Net Operating Income240422460
Net Income238421449
Ratio Analysis Profitability%%%
Return on Assets *0.510.600.66
Operating Return on Assets *0.510.600.68
Return on Equity *6.007.688.72
Net Interest Margin *3.003.053.05
Fee Income / Assets *0.130.120.16
Overhead / Assets *2.332.272.26
Efficiency Ratio82.0777.1074.66
Asset Quality%%%
Nonperforming Assets / Assets0.470.660.99
Nonperforming Assets / Equity & Loss Reserves4.967.5213.24
Loss Reserves / Nonperforming Loans120.1875.0071.04
1-4 Fam Mtg + MBS / Assets19.4120.997.71
Commercial Real Estate Loans / Assets5.185.2716.61
Construction Loans / Assets0.660.200.24
Commercial & Industrial Loans / Assets10.0510.889.37
Consumer Loans / Assets2.442.532.81
Capitalization%%%
Equity / Assets8.918.246.95
Tangible Capital / Tangible Assets8.918.246.95
Risk-based Capital Ratio13.7812.8911.58
Liquidity%%%
Loans / Deposits75.7875.5066.48
Non-Interest Bearing Deposits / Deposits11.9212.0011.87
Purchased Liabilities20.1819.7915.26

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