SAFE & SOUND® STAR RATINGS

Financial statement

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

STAR RATING: 4 starstarstarstar
Predictive Indicator neutral
As of September 30, 2014
Federal Reserve System Identifier 338945




Financial summary ($ in Thousands)
2014
9 months
2013
Year
2012
Year
Total Assets$69,844$70,634$65,246
Loans Receivable, Net45,59643,55038,904
Mortgage-Backed Securities375074
Investments17,94317,65718,496
Deposits61,07765,50859,315
Borrowings3,00000
Equity5,5604,9065,721
Net Interest Income1,4641,9301,991
Fee Income64109108
Overhead1,1971,5321,455
Net Operating Income299460607
Net Income298449597
Ratio Analysis Profitability%%%
Return on Assets *0.540.660.93
Operating Return on Assets *0.540.680.94
Return on Equity *6.878.7210.59
Net Interest Margin *3.063.053.36
Fee Income / Assets *0.130.160.17
Overhead / Assets *2.352.262.26
Efficiency Ratio77.6874.6668.89
Asset Quality%%%
Nonperforming Assets / Assets0.460.991.76
Nonperforming Assets / Equity & Loss Reserves5.3313.2418.63
Loss Reserves / Nonperforming Loans133.5471.0438.50
1-4 Fam Mtg + MBS / Assets20.247.719.57
Commercial Real Estate Loans / Assets5.4516.6117.44
Construction Loans / Assets0.230.240.18
Commercial & Industrial Loans / Assets10.289.379.57
Consumer Loans / Assets2.502.812.44
Capitalization%%%
Equity / Assets7.966.958.77
Tangible Capital / Tangible Assets7.966.958.77
Risk-based Capital Ratio12.8511.5812.83
Liquidity%%%
Loans / Deposits74.6566.4865.59
Non-Interest Bearing Deposits / Deposits11.1811.8712.36
Purchased Liabilities20.1115.2611.00

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