1st Community Bank

407 Third Street
Sherrard, IL 61281
309-593-2117
www.1stcommunitybanks.com

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1st Community Bank is headquartered in Sherrard and is the 443^rd largest bank in the state of Illinois. It is also the 6,050^th largest bank in the nation. It was established in 1910 and as of December of 2011, it had grown to 18 employees at 2 locations. 1st Community Bank has a 4-star health rating.

Very Competitive 14-Month CD Special at 1st Community Bank in IL - Local Only - 4/12/2010

1st Community Bank is offering a special 14-month CD with a 2.50% APY. Minimum deposit is $500, and new money is required. This special is listed at the bank's rates page as of 4/12/2010. It appears ...

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See Rates for: Checking | Savings | Money Market | CD | IRA

1st Community Bank Checking Account Rates

Apy	Min	Max	Product
0.30%	$2,500	-	Super NOW Account
0.25%	$1k	-	NOW Accounts

1st Community Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Christmas Club
0.25%	$25	-	Regular Savings

1st Community Bank Money Market Rates

	Apy	Min	Max	Product
	0.30%	$2,500	-	Money Market Savers Account

1st Community Bank CD Rates

Apy	Min	Max	Product
1.76%	$2,500	-	60 Month CD
1.51%	$2,500	-	48 Month CD
1.25%	$2,500	-	36 Month CD
1.20%	$1k	-	30 Month CD
1.15%	$1k	-	24 Month CD
1.00%	$1k	-	18 Month CD
0.85%	$1k	-	12 Month CD
0.65%	$1k	-	10 Month CD
0.60%	$1k	-	182 Day CD
0.50%	$1k	-	90 Day CD
0.35%	$1k	-	31 Day CD

1st Community Bank IRA Rates

	Apy	Min	Max	Product
	0.90%	$200	-	18 Month IRA Certificate

Rates updated: 5/16/2012

Data for Q4 2011

Institution Statistics

1st Community Bank
FDIC Certificate #	11706
BankRate Report	View
Year Established	1910
Employees	18
Primary Regulator	FDIC
Assets and Liabilities
Assets	$61.19 million
Loans	$35.70 million
Deposits	$55.66 million
Equity Capital	$5.29 million
Loan Loss Allowance	$400,000
Unbacked Noncurrent Loans	$709,000
Real Estate Owned	$61,000
Historic Data - December 2010
Assets	$55.44 million
Equity Capital	$5.18 million
Loan Loss Allowance	$338,000
Unbacked Noncurrent Loans	$279,000
Real Estate Owned	$61,000
Profit Margin - Quarterly
Net Interest Margin	3.61%
Return on Assets	0.92%
Return on Equity	10.2%
Interest Income	$2.67 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 1st Community Bank had $770,000 in non-current loans and owned real-estate with $5.69 million in equity and loan loss allowances on hand to cover it. This gives 1st Community Bank a Texas Ratio of 13.53% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for 1st Community Bank increased slightly from 6.16% as of December 31, 2010 to 13.53% as of December 31, 2011, resulting in a negative change of 119.70%. This indicates that the balance sheet and financial strength for 1st Community Bank has declined slightly in recent periods.
Deposit Growth
In the past year, 1st Community Bank has increased its total deposits by $5.66 million, resulting in 11.31% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth 1st Community Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. 1st Community Bank has $61.19 million in assets with $5.69 million in equity, resulting in a capitalization level of 9.30%, which is average.