SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator - (decline)
As of March 31, 2014
Federal Reserve System Identifier 338945




Financial summary ($ in Thousands)
2014
3 months
2013
Year
2012
Year
Total Assets$69,655$70,634$65,246
Loans Receivable, Net43,47943,55038,904
Mortgage-Backed Securities465074
Investments17,78217,65718,496
Deposits64,32265,50859,315
Borrowings000
Equity5,1304,9065,721
Net Interest Income4801,9301,991
Fee Income21109108
Overhead3921,5321,455
Net Operating Income96460607
Net Income95449597
Ratio Analysis Profitability%%%
Return on Assets *0.590.660.93
Operating Return on Assets *0.600.680.94
Return on Equity *8.108.7210.59
Net Interest Margin *3.003.053.36
Fee Income / Assets *0.150.160.17
Overhead / Assets *2.262.262.26
Efficiency Ratio77.9374.6668.89
Asset Quality%%%
Nonperforming Assets / Assets0.690.991.76
Nonperforming Assets / Equity & Loss Reserves8.7613.2418.63
Loss Reserves / Nonperforming Loans81.8271.0438.50
1-4 Fam Mtg + MBS / Assets20.137.719.57
Commercial Real Estate Loans / Assets5.7916.6117.44
Construction Loans / Assets0.240.240.18
Commercial & Industrial Loans / Assets8.669.379.57
Consumer Loans / Assets2.612.812.44
Capitalization%%%
Equity / Assets7.366.958.77
Tangible Capital / Tangible Assets7.366.958.77
Risk-based Capital Ratio13.0811.5812.83
Liquidity%%%
Loans / Deposits67.6066.4865.59
Non-Interest Bearing Deposits / Deposits11.4611.8712.36
Purchased Liabilities15.7015.2611.00

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