First Community Bank and Trust

First Community Bank and Trust is headquartered in Beecher and is the 279^th largest bank in the state of Illinois. It is also the 4,039^th largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 35 employees at 2 locations. First Community Bank and Trust has a 3-star health rating.

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Data for Q1 2012

Institution Statistics First Community Bank and Trust FDIC Certificate # 15913 BankRate Report View Year Established 1916 Employees 35 Primary Regulator FED Assets and Liabilities Assets $140.59 million Loans $75.43 million Deposits $118.43 million Equity Capital $15.02 million Loan Loss Allowance $3.99 million Unbacked Noncurrent Loans $7.64 million Real Estate Owned $1.72 million Historic Data - March 2011 Assets $145.49 million Equity Capital $14.20 million Loan Loss Allowance $3.64 million Unbacked Noncurrent Loans $5.25 million Real Estate Owned $1.16 million Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.33% Return on Equity 3.18% Interest Income $1.46 million

Institution Health Overall Score: 3 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 March 31, 2012 First Community Bank and Trust had $9.35 million in non-current loans and owned real-estate with $19.01 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank and Trust a Texas Ratio of 49.20% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Community Bank and Trust increased slightly from 35.91% as of March 31, 2011 to 49.20% as of March 31, 2012, resulting in a negative change of 37.02%. This indicates that the balance sheet and financial strength for First Community Bank and Trust has declined slightly in recent periods. Deposit Growth In the past year, First Community Bank and Trust has increased its total deposits by $159,000, resulting in 0.13% 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 First Community Bank and Trust has shown is average. 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. First Community Bank and Trust has $140.59 million in assets with $19.01 million in equity, resulting in a capitalization level of 13.52%, which is excellent.

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