Follow Us: Google+
 
Bankrate.com



SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 3 starstarstar
Predictive Indicator neutral
As of December 31, 2012
Federal Reserve System Identifier 338945




Financial summary ($ in Thousands)
2012
12 months
2011
Year
2010
Year
Total Assets$65,246$61,188$55,439
Loans Receivable, Net38,90435,70035,779
Mortgage-Backed Securities74125215
Investments18,49613,05313,275
Deposits59,31555,66050,003
Borrowings000
Equity5,7215,2895,181
Net Interest Income1,9911,9221,706
Fee Income1088384
Overhead1,4551,4291,318
Net Operating Income607536478
Net Income597532474
Ratio Analysis Profitability%%%
Return on Assets *0.930.910.86
Operating Return on Assets *0.940.920.86
Return on Equity *10.5910.189.22
Net Interest Margin *3.363.573.37
Fee Income / Assets *0.170.140.15
Overhead / Assets *2.262.452.40
Efficiency Ratio68.8970.5772.66
Asset Quality%%%
Nonperforming Assets / Assets1.761.260.61
Nonperforming Assets / Equity & Loss Reserves18.6313.536.16
Loss Reserves / Nonperforming Loans38.501.120.94
1-4 Fam Mtg + MBS / Assets9.5710.1812.31
Commercial Real Estate Loans / Assets17.4417.0119.12
Construction Loans / Assets0.180.150.04
Commercial & Industrial Loans / Assets9.577.046.75
Consumer Loans / Assets2.443.005.38
Capitalization%%%
Equity / Assets8.778.649.35
Tangible Capital / Tangible Assets8.778.649.35
Risk-based Capital Ratio12.8312.6612.94
Liquidity%%%
Loans / Deposits65.5964.1471.55
Non-Interest Bearing Deposits / Deposits12.3610.8110.75
Purchased Liabilities11.0033.7932.61

* Calculations are based on the latest four quarters of income and expense.
Modify Search
            Connect with us
advertisement
Most Read
  1. Beach towns with bargain homes
  2. 6 tips for successful yard sale
  3. Nick Nolte's house for sale
  4. 5 costliest tickets for car insurance
  5. 7 sedans for the young at heart
  6. 5 car models that lose value
  7. Ali Landry's house for sale
  8. Headlight requirements by state
  9. 9 gas-only, fuel-efficient cars
  10. 8 eerie ghost towns
CDs Overnight Averages
Product Yield +/- Last week
6 month CD
0.45% 0.41%
1 yr CD
0.67% 0.62%
5 yr CD
1.24% 1.22%
1 yr jumbo CD
0.65% 0.65%
Compare rates:
Don Taylorinvesting
The good news is you're inheriting $500 million. The bad news is you need to hold onto it.
advertisement
Home Depot reported increased sales over its closest rival Lowe's in earnings reports this week.
Partner Center
advertisement

Advertising Disclosure: Bankrate.com is an independent, advertising-supported comparison service. Bankrate may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.