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First Community Bank

Elgin, IL · Cert 33842

FDIC · 2 branches

Q3 2016

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2016, the quarter ended September 30, 2016, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Community Bank

Elgin, IL · Cert 33842

FDIC · 2 branches

Q3 2016

$171.5MAssets
$80.9MLoans
$147.2MDeposits
$22.7MEquity
Loan mix
86%RE $50.3M14%C&I $8.1M0%Consumer $0.2MQ3 2015Q3 2016
Deposit mix
78%Interest-bearing $115.5M22%Noninterest $31.7MQ3 2015Q3 2016

NIM

3.25%Q3 ’143.71%Q3 ’152.92%Q3 ’16+17%-23%

Non-interest income vs. expense

2.63%Q3 ’142.82%Q3 ’152.39%Q3 ’16+6%-22%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2016 SOD (annual) · 0.0% share · #121 of 208 inst. · $0.2B of $391.1B

Executive Summary

  • Earnings: ROA of 0.69%, down 56 bps year over year; NIM at 2.68%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net recoveries of 0.05%.
  • Capital: tier 1 leverage ratio of 12.69%, down 300 bps from a year ago.
  • Funding: loans stand at 54.99% of deposits as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

0.69%-56 bps YoY

Net Interest Margin (YTD, annualized)

2.68%-82 bps YoY

Efficiency Ratio (YTD, annualized)

74.74%+306 bps YoY

Tier 1 Leverage Ratio

12.69%-300 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets1.25%1.23%0.86%0.71%0.69%-56 bps
Return on Equity7.95%7.81%6.15%5.26%5.11%-284 bps
Net Interest Margin3.49%3.22%2.63%2.60%2.68%-82 bps
Efficiency Ratio71.68%73.29%72.91%74.46%74.74%+306 bps
Non-Interest Burden2.38%2.23%1.79%1.81%1.87%-51 bps
Growth
Asset Growth (YoY)0.14%4.67%6.40%5.07%-1.17%-131 bps
Loan Growth (YoY)-3.41%-9.52%-7.34%-4.43%-3.01%+40 bps
Deposit Growth (YoY)-1.07%4.12%10.67%9.03%1.50%+257 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.06%-0.07%-0.07%0.01%-0.05%+1 bps
Allowance / Loans1.20%1.09%0.86%0.83%0.82%-39 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio15.69%15.52%12.07%12.26%12.69%-300 bps
Total Risk-Based Capital26.89%28.75%22.62%22.34%22.70%-419 bps
Equity / Assets15.80%15.61%12.45%12.68%13.24%-256 bps
Liquidity & Funding
Loans / Deposits57.55%52.01%50.63%51.54%54.99%-256 bps
Liquid Assets / Assets25.04%31.89%32.17%27.56%23.46%-158 bps
CRE / Total Capitaln/an/an/an/an/an/an/a