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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 December 31, 2015
Federal Reserve System Identifier 338945




Financial summary ($ in Thousands)
2015
12 months
2014
Year
2013
Year
Total Assets$72,920$70,709$70,634
Loans Receivable, Net44,37346,58443,550
Mortgage-Backed Securities213450
Investments15,74615,60617,657
Deposits63,54761,70465,508
Borrowings3,0003,0000
Equity6,1695,8234,906
Net Interest Income1,9251,9541,930
Fee Income9485109
Overhead1,6761,5891,532
Net Operating Income306422460
Net Income303421449
Ratio Analysis Profitability%%%
Return on Assets *0.430.600.66
Operating Return on Assets *0.430.600.68
Return on Equity *4.977.688.72
Net Interest Margin *2.963.053.05
Fee Income / Assets *0.130.120.16
Overhead / Assets *2.382.272.26
Efficiency Ratio82.5277.1074.66
Asset Quality%%%
Nonperforming Assets / Assets0.340.660.99
Nonperforming Assets / Equity & Loss Reserves3.827.5213.24
Loss Reserves / Nonperforming Loans153.6075.0071.04
1-4 Fam Mtg + MBS / Assets17.9820.997.71
Commercial Real Estate Loans / Assets4.995.2716.61
Construction Loans / Assets0.950.200.24
Commercial & Industrial Loans / Assets8.3610.889.37
Consumer Loans / Assets1.962.532.81
Capitalization%%%
Equity / Assets8.468.246.95
Tangible Capital / Tangible Assets8.468.246.95
Risk-based Capital Ratio14.1712.8911.58
Liquidity%%%
Loans / Deposits69.8375.5066.48
Non-Interest Bearing Deposits / Deposits13.6912.0011.87
Purchased Liabilities16.9319.7915.26

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