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First Community Bank of Joliet

Joliet, IL · Cert 57681

FDIC

Q4 2012

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: Q4 2012, the quarter ended December 31, 2012, 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 of Joliet

Joliet, IL · Cert 57681

FDIC

Q4 2012

$474.1MAssets
$329.3MLoans
$404.7MDeposits
$43.9MEquity
Loan mix
79%RE $166.7M21%C&I $43.5M1%Consumer $1.5MQ4 2011Q4 2012
Deposit mix
84%Interest-bearing $340.0M16%Noninterest $64.8MQ4 2011Q4 2012

NIM

5.12%Q4 ’105.27%Q4 ’114.41%Q4 ’12+10%-10%

Non-interest income vs. expense

1.58%Q4 ’102.34%Q4 ’112.37%Q4 ’12+47%+6%

Executive Summary

  • Earnings: ROA of -0.15%, up 116 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 2.70%.
  • Funding: loans stand at 81.36% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

-0.15%+116 bps YoY

Net Interest Margin (YTD, annualized)

3.35%-39 bps YoY

Efficiency Ratio (YTD, annualized)

70.57%+971 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-1.32%-0.20%-0.38%-0.25%-0.15%+116 bps
Return on Equity-15.62%-2.24%-4.24%-2.79%-1.69%+1,393 bps
Net Interest Margin3.74%3.42%3.42%3.46%3.35%-39 bps
Efficiency Ratio60.86%63.06%67.38%70.84%70.57%+971 bps
Non-Interest Burden2.23%2.11%2.26%2.44%2.36%+13 bps
Growth
Asset Growth (YoY)-11.63%-16.56%-14.15%-9.93%-5.97%+565 bps
Loan Growth (YoY)-19.47%-24.93%-23.67%-18.82%-17.58%+189 bps
Deposit Growth (YoY)-10.49%-15.86%-13.68%-11.97%-8.75%+174 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.13%1.13%2.22%2.27%2.70%-43 bps
Allowance / Loans4.39%5.01%4.82%4.67%4.28%-11 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital11.81%12.57%12.65%12.97%13.46%+166 bps
Equity / Assets8.73%8.98%9.17%9.10%9.26%+54 bps
Liquidity & Funding
Loans / Deposits90.07%86.04%87.53%85.41%81.36%-871 bps
Liquid Assets / Assets9.43%11.31%9.57%13.52%15.00%+556 bps
CRE / Total Capitaln/an/an/an/an/an/an/a