First Community Bank of Hillsboro

First Community Bank of Hillsboro is headquartered in Hillsboro and is the 411^st largest bank in the state of Illinois. It is also the 5,662^nd largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 19 employees at 1 location. First Community Bank of Hillsboro's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Community Bank of Hillsboro FDIC Certificate # 34752 BankRate Report View Year Established 1998 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $74.01 million Loans $38.70 million Deposits $64.69 million Equity Capital $6.77 million Loan Loss Allowance $393,000 Unbacked Noncurrent Loans $194,000 Real Estate Owned $25,000 Historic Data - March 2011 Assets $71.25 million Equity Capital $6.48 million Loan Loss Allowance $427,000 Unbacked Noncurrent Loans $349,000 Profit Margin - Quarterly Net Interest Margin 2.66% Return on Assets 0.64% Return on Equity 6.86% Interest Income $667,000

Institution Health Overall Score: 5 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 of Hillsboro had $219,000 in non-current loans and owned real-estate with $7.16 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank of Hillsboro a Texas Ratio of 3.06% which is excellent. 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 of Hillsboro decreased slightly from 5.05% as of March 31, 2011 to 3.06% as of March 31, 2012, resulting in a positive change of 39.47%.This indicates that the balance sheet and financial strength for First Community Bank of Hillsboro has improved slightly in recent periods. Deposit Growth In the past year, First Community Bank of Hillsboro has increased its total deposits by $1.6 million, resulting in 2.54% 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 of Hillsboro has shown is above 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 of Hillsboro has $74.01 million in assets with $7.16 million in equity, resulting in a capitalization level of 9.68%, which is average.

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