First Community State Bank

First Community State Bank is headquartered in Staunton and is the 483^rd largest bank in the state of Illinois. It is also the 6,452^nd largest bank in the nation. It was established in 1969 and as of March of 2012, it had grown to 16 employees at 2 locations. First Community State Bank has a 3-star health rating.

First Community State Bank Routing Number: 081909007

First Community State Bank CD Rates

First Community State Bank IRA Rates

Data for Q1 2012

Institution Statistics First Community State Bank FDIC Certificate # 20028 BankRate Report View Year Established 1969 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $47.50 million Loans $31.45 million Deposits $43.12 million Equity Capital $4.18 million Loan Loss Allowance $413,000 Unbacked Noncurrent Loans $560,000 Real Estate Owned $415,000 Historic Data - March 2011 Assets $54.71 million Equity Capital $4.18 million Loan Loss Allowance $413,000 Unbacked Noncurrent Loans $617,000 Real Estate Owned $445,000 Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 0.85% Return on Equity 9.6% Interest Income $482,000

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 State Bank had $975,000 in non-current loans and owned real-estate with $4.59 million in equity and loan loss allowances on hand to cover it. This gives First Community State Bank a Texas Ratio of 21.24% which is 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 State Bank held steady from 23.13% as of March 31, 2011 to 21.24% as of March 31, 2012, resulting in a positive change of 8.17%.This indicates that the balance sheet and financial strength for First Community State Bank has held steady in recent periods. Deposit Growth In the past year, First Community State Bank has decreased its total deposits by -$7.24 million, resulting in -14.38% 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 State Bank has shown is poor. 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 State Bank has $47.5 million in assets with $4.59 million in equity, resulting in a capitalization level of 9.66%, which is average.

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