Institution Statistics
| First Community Bank of Homer Glen & Lockport | | FDIC Certificate # | 58788 | | BankRate Report | View | | Year Established | 2008 | | Employees | 9 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $78.62 million | | Loans | $56.28 million | | Deposits | $69.77 million | | Equity Capital | $8.55 million | | Loan Loss Allowance | $2.98 million | | Unbacked Noncurrent Loans | $4.76 million | | Real Estate Owned | $548,000 |
Historic Data - March 2011 | | Assets | $81.91 million | | Equity Capital | $8.16 million | | Loan Loss Allowance | $4.92 million | | Unbacked Noncurrent Loans | $10.30 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.62% | | Return on Assets | 0.36% | | Return on Equity | 3.44% | | Interest Income | $898,000 |
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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 of Homer Glen & Lockport had $5.3 million in non-current loans and owned real-estate with $11.53 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank of Homer Glen & Lockport a Texas Ratio of 46.00% 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 of Homer Glen & Lockport decreased significantly from 78.81% as of March 31, 2011 to 46.00% as of March 31, 2012, resulting in a positive change of 41.63%.This indicates that the balance sheet and financial strength for First Community Bank of Homer Glen & Lockport has improved significantly in recent periods. | | Deposit Growth | | | In the past year, First Community Bank of Homer Glen & Lockport has decreased its total deposits by -$3.65 million, resulting in -4.97% 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 Homer Glen & Lockport has shown is below 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 Homer Glen & Lockport has $78.62 million in assets with $11.53 million in equity, resulting in a capitalization level of 14.67%, which is excellent. |
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