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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

5.27%Q4 ’104.71%Q4 ’113.98%Q4 ’12-7%-8%

Non-interest income vs. expense

1.53%Q4 ’102.91%Q4 ’112.16%Q4 ’12+88%-22%

Executive Summary

  • Earnings: ROA of 0.15%, up 98 bps year over year; NIM at 3.11%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 3.65%.
  • Funding: loans stand at 81.36% of deposits as of Q4 2012.

Financial Results

Return on Assets (quarter, annualized)

0.15%+98 bps YoY

Net Interest Margin (quarter, annualized)

3.11%-27 bps YoY

Efficiency Ratio (quarter, annualized)

69.65%-1,345 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets-0.83%-0.20%-0.57%0.01%0.15%+98 bps
Return on Equity-9.74%-2.24%-6.25%0.12%1.61%+1,135 bps
Net Interest Margin3.39%3.42%3.32%3.35%3.11%-27 bps
Efficiency Ratio83.09%63.06%71.87%79.12%69.65%-1,345 bps
Non-Interest Burden2.79%2.11%2.33%2.70%2.17%-62 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 / Loans3.24%1.13%3.29%2.19%3.65%+41 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