First Community Bank, Xenia-Flora

First Community Bank, Xenia-Flora is headquartered in Xenia and is the 516^st largest bank in the state of Illinois. It is also the 6,787^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 12 employees at 2 locations. First Community Bank, Xenia-Flora has a 5-star health rating.

First Community Bank, Xenia-Flora Routing Number: 081220537

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Data for Q1 2012

Institution Statistics First Community Bank, Xenia-Flora FDIC Certificate # 3850 BankRate Report View Year Established 1922 Employees 12 Primary Regulator FED Assets and Liabilities Assets $36.37 million Loans $20.56 million Deposits $27.25 million Equity Capital $4.80 million Loan Loss Allowance $170,000 Unbacked Noncurrent Loans $83,000 Historic Data - March 2011 Assets $34.98 million Equity Capital $4.27 million Loan Loss Allowance $171,000 Unbacked Noncurrent Loans $107,000 Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 1.83% Return on Equity 13.78% Interest Income $389,000

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, Xenia-Flora had $83,000 in non-current loans and owned real-estate with $4.97 million in equity and loan loss allowances on hand to cover it. This gives First Community Bank, Xenia-Flora a Texas Ratio of 1.67% 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, Xenia-Flora decreased slightly from 2.41% as of March 31, 2011 to 1.67% as of March 31, 2012, resulting in a positive change of 30.72%.This indicates that the balance sheet and financial strength for First Community Bank, Xenia-Flora has improved slightly in recent periods. Deposit Growth In the past year, First Community Bank, Xenia-Flora has increased its total deposits by $660,000, resulting in 2.48% 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, Xenia-Flora 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, Xenia-Flora has $36.37 million in assets with $4.97 million in equity, resulting in a capitalization level of 13.66%, which is excellent.

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