First Community Bank of Plainfield

First Community Bank of Plainfield is headquartered in Plainfield and is the 280^th largest bank in the state of Illinois. It is also the 4,076^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 17 employees at 1 location. First Community Bank of Plainfield has a 5-star health rating.

First Community Bank of Plainfield Routing Number: 071926676

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Data for Q1 2012

Institution Statistics First Community Bank of Plainfield FDIC Certificate # 58769 BankRate Report View Year Established 2008 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $138.13 million Loans $103.80 million Deposits $119.17 million Equity Capital $15.19 million Loan Loss Allowance $3.63 million Unbacked Noncurrent Loans $1.99 million Real Estate Owned $672,000 Historic Data - March 2011 Assets $110.50 million Equity Capital $13.62 million Loan Loss Allowance $2.56 million Unbacked Noncurrent Loans $2.68 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 1.39% Return on Equity 12.51% Interest Income $1.58 million

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 Plainfield had $2.66 million in non-current loans and owned real-estate with $18.82 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank of Plainfield a Texas Ratio of 14.14% 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 First Community Bank of Plainfield held steady from 16.57% as of March 31, 2011 to 14.14% as of March 31, 2012, resulting in a positive change of 14.69%.This indicates that the balance sheet and financial strength for First Community Bank of Plainfield has held steady in recent periods. Deposit Growth In the past year, First Community Bank of Plainfield has increased its total deposits by $27.21 million, resulting in 29.59% 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 Plainfield 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. First Community Bank of Plainfield has $138.12 million in assets with $18.82 million in equity, resulting in a capitalization level of 13.63%, which is excellent.

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