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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, 2014
Federal Reserve System Identifier 338945




Financial summary ($ in Thousands)
2014
12 months
2013
Year
2012
Year
Total Assets$70,709$70,634$65,246
Loans Receivable, Net46,58443,55038,904
Mortgage-Backed Securities345074
Investments15,60617,65718,496
Deposits61,70465,50859,315
Borrowings3,00000
Equity5,8234,9065,721
Net Interest Income1,9541,9301,991
Fee Income85109108
Overhead1,5891,5321,455
Net Operating Income422460607
Net Income421449597
Ratio Analysis Profitability%%%
Return on Assets *0.600.660.93
Operating Return on Assets *0.600.680.94
Return on Equity *7.688.7210.59
Net Interest Margin *3.053.053.36
Fee Income / Assets *0.120.160.17
Overhead / Assets *2.272.262.26
Efficiency Ratio77.1074.6668.89
Asset Quality%%%
Nonperforming Assets / Assets0.660.991.76
Nonperforming Assets / Equity & Loss Reserves7.5213.2418.63
Loss Reserves / Nonperforming Loans75.0071.0438.50
1-4 Fam Mtg + MBS / Assets20.997.719.57
Commercial Real Estate Loans / Assets5.2716.6117.44
Construction Loans / Assets0.200.240.18
Commercial & Industrial Loans / Assets10.889.379.57
Consumer Loans / Assets2.532.812.44
Capitalization%%%
Equity / Assets8.246.958.77
Tangible Capital / Tangible Assets8.246.958.77
Risk-based Capital Ratio12.8911.5812.83
Liquidity%%%
Loans / Deposits75.5066.4865.59
Non-Interest Bearing Deposits / Deposits12.0011.8712.36
Purchased Liabilities19.7915.2611.00

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