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First Community Bank of Homer Glen & Lockport

Homer Glen, IL · Cert 58788

FDIC

Q4 2012

$73.1MAssets
$57.6MLoans
$63.6MDeposits
$9.2MEquity
Loan mix
84%RE $42.9M16%C&I $8.0M0%Consumer $0.1MQ4 2011Q4 2012
Deposit mix
94%Interest-bearing $59.6M6%Noninterest $4.0MQ4 2011Q4 2012

NIM

4.13%Q4 ’104.76%Q4 ’114.48%Q4 ’12+45%+5%

Non-interest income vs. expense

3.04%Q4 ’102.39%Q4 ’113.33%Q4 ’12+4%+4%

Executive Summary

  • Earnings: ROA of 1.58%, up 111 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Funding: loans stand at 90.53% of deposits as of Q4 2012.

Financial Results

Return on Assets (quarter, annualized)

1.58%+111 bps YoY

Net Interest Margin (quarter, annualized)

3.79%+19 bps YoY

Efficiency Ratio (quarter, annualized)

86.14%+261 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.47%0.36%0.83%0.43%1.58%+111 bps
Return on Equity4.72%3.44%7.63%3.91%13.20%+847 bps
Net Interest Margin3.60%3.48%3.92%3.65%3.79%+19 bps
Efficiency Ratio83.53%75.38%73.95%82.92%86.14%+261 bps
Non-Interest Burden3.13%2.59%2.86%2.99%3.26%+13 bps
Growth
Asset Growth (YoY)-11.16%-4.03%-7.86%-9.58%-12.15%-99 bps
Loan Growth (YoY)-15.07%-19.37%-12.41%-15.71%-9.60%+547 bps
Deposit Growth (YoY)-12.44%-4.97%-9.33%-11.25%-14.61%-217 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans1.37%-0.01%2.92%0.00%0.00%-137 bps
Allowance / Loans4.51%5.03%4.40%4.56%4.24%-26 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 Capital14.99%15.96%15.94%16.10%16.57%+159 bps
Equity / Assets10.14%10.88%10.79%11.42%12.52%+238 bps
Liquidity & Funding
Loans / Deposits85.51%84.94%81.74%84.60%90.53%+502 bps
Liquid Assets / Assets11.38%11.66%12.73%8.30%5.00%-638 bps
CRE / Total Capitaln/an/an/an/an/an/an/a