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SAFE & SOUND® STAR RATINGS

1ST COMMUNITY BANK

407 3RD STREET
SHERRARD, Illinois 61281

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of March 31, 2016
Federal Reserve System Identifier 338945




Financial summary ($ in Thousands)
2016
3 months
2015
Year
2014
Year
Total Assets$67,936$72,920$70,709
Loans Receivable, Net46,11344,37346,584
Mortgage-Backed Securities192134
Investments13,72615,74615,606
Deposits58,32263,54761,704
Borrowings3,0003,0003,000
Equity6,4056,1695,823
Net Interest Income4591,9251,954
Fee Income219485
Overhead4211,6761,589
Net Operating Income76306422
Net Income75303421
Ratio Analysis Profitability%%%
Return on Assets *0.400.430.60
Operating Return on Assets *0.410.430.60
Return on Equity *4.564.977.68
Net Interest Margin *2.952.963.05
Fee Income / Assets *0.130.130.12
Overhead / Assets *2.412.382.27
Efficiency Ratio87.1682.5277.10
Asset Quality%%%
Nonperforming Assets / Assets0.850.340.66
Nonperforming Assets / Equity & Loss Reserves8.513.827.52
Loss Reserves / Nonperforming Loans67.47153.6075.00
1-4 Fam Mtg + MBS / Assets19.3317.9820.99
Commercial Real Estate Loans / Assets5.124.995.27
Construction Loans / Assets1.240.950.20
Commercial & Industrial Loans / Assets10.868.3610.88
Consumer Loans / Assets2.031.962.53
Capitalization%%%
Equity / Assets9.438.468.24
Tangible Capital / Tangible Assets9.438.468.24
Risk-based Capital Ratio14.1614.1712.89
Liquidity%%%
Loans / Deposits79.0769.8375.50
Non-Interest Bearing Deposits / Deposits13.5813.6912.00
Purchased Liabilities18.0616.9319.79

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