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First Community Bank of Plainfield

Plainfield, IL · Cert 58769

FDIC · 9 branches

Q3 2017

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 2017, the quarter ended September 30, 2017, 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 Plainfield

Plainfield, IL · Cert 58769

FDIC · 9 branches

Q3 2017

$1.5BAssets
$1.1BLoans
$1.2BDeposits
$248.5MEquity
Loan mix
59%RE $506.3M41%C&I $353.9M0%Consumer $3.9MQ3 2016Q3 2017
Deposit mix
77%Interest-bearing $891.4M23%Noninterest $259.4MQ3 2016Q3 2017

NIM

3.60%Q3 ’153.40%Q3 ’161.35%Q3 ’17-5%-58%

Non-interest income vs. expense

2.00%Q3 ’152.03%Q3 ’160.71%Q3 ’17-13%-61%

Market Position · Chicago-Naperville-Elgin, IL-IN-WI · 2017 SOD (annual) · 0.3% share · #38 of 196 inst. · $1.1B of $395.0B

5.9% Will
0.9% DuPage
4.7% Grundy

Executive Summary

  • Earnings: ROA of 0.30%, down 85 bps year over year; NIM at 1.29%.
  • Asset quality: problem loans at 1.02% of loans (+102 bps YoY), with net recoveries of 0.02%.
  • Capital: tier 1 leverage ratio of 8.94%, down 158 bps from a year ago.
  • Funding: loans stand at 97.63% of deposits as of Q3 2017.

Financial Results

Return on Assets (YTD, annualized)

0.30%-85 bps YoY

Net Interest Margin (YTD, annualized)

1.29%-178 bps YoY

Efficiency Ratio (YTD, annualized)

52.14%-516 bps YoY

Tier 1 Leverage Ratio

8.94%-158 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2016Q4 2016Q1 2017Q2 2017Q3 2017YoY ΔTrend
Earnings
Return on Assets1.15%1.11%1.39%1.25%0.30%-85 bps
Return on Equity9.90%9.89%14.11%12.86%2.59%-731 bps
Net Interest Margin3.07%3.06%3.39%3.34%1.29%-178 bps
Efficiency Ratio57.29%57.42%55.70%55.89%52.14%-516 bps
Non-Interest Burden1.57%1.59%1.77%1.75%0.61%-95 bps
Growth
Asset Growth (YoY)22.03%22.07%26.24%23.88%20.85%-117 bps
Loan Growth (YoY)28.97%28.63%37.38%27.67%17.24%-1,173 bps
Deposit Growth (YoY)26.05%25.08%26.46%27.38%7.81%-1,825 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.51%0.62%1.02%+102 bps
Net Charge-Offs / Loans0.05%0.11%0.04%0.29%-0.02%-6 bps
Allowance / Loans1.28%1.18%1.12%1.09%0.15%-114 bps
Allowance Coverage of NPLsn/an/a2.2x1.8x0.1xn/a
Capital
Tier 1 Leverage Ratio10.52%10.10%10.00%9.43%8.94%-158 bps
Total Risk-Based Capital13.69%12.77%12.21%11.81%10.34%-335 bps
Equity / Assets10.61%10.01%9.71%9.35%16.54%+593 bps
Liquidity & Funding
Loans / Deposits89.77%91.75%95.65%97.44%97.63%+785 bps
Liquid Assets / Assets2.47%0.57%0.91%3.16%4.66%+219 bps
CRE / Total Capitaln/an/an/an/an/an/an/a