FDIC Certificate #: 34752 Status: Active Federal Reserve ID: 2696180 Bank Holding Company (Regulatory Top Holder): First Community Banc Holding Company (RSSDID: 2917278, Location: Hillsboro, IL) Date Established: May 29, 1998 WWW:http://www.fcbhillsboro.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15522 FDIC's unique #: 61524 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: May 29, 1998 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 807 South Main Street, Hillsboro, IL 62049 County: Montgomery Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Springfield Il Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $71.5 mil Equity capital: $6.9 mil Deposits held in domestic offices: $62.2 mil Return on assets (ROA): 0.82% ($0.6 mil) Quarterly return on assets: 0.79% ($0.6 mil) Return on Equity (ROE): 8.81% ($0.6 mil) Quarterly return on equity: 8.39% ($0.6 mil) Net income: $0.6 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.83% ($593.3 mil) Quarterly Pretax return on assets: 0.78% ($557.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
19Total employees (full-time equivalent)
$71,477Total assets
$17,284Cash and due from depository institutions
$16,105Interest-bearing balances
$12,286Securities
$0Federal funds sold & reverse repurchase agreements
$40,430Net loans & leases
$433Loan loss allowance
$0Trading account assets
$616Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$71,477Life insurance assets
$861All other assets
$64,611Total liabilities and capital
$62,230Total liabilities
$54,400Total deposits
$62,230Interest-bearing deposits
$97Deposits held in domestic offices
2058.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$323Subordinated debt
$6,866All other liabilities
$6,866Total equity capital
$6,866Total bank equity capital
$0Perpetual preferred stock
$1,080Common stock
$2,415Surplus
$3,371Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$350Income earned, not collected on loans
$0Earning assets
$500Long-term assets (5+ years)
$68,821Average Assets, year-to-date
$19,384Average Assets, quarterly
$71,488Volatile liabilities
$72,097Insider loans
$37,750FHLB advances
$72,261Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,729Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,985Restructured Loans and leases
$403Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,873Total interest income
$916Total interest expense
$1,957Net interest income
$12Provision for loan and lease losses
$427Total noninterest income
$0Fiduciary activities
$281Service charges on deposit accounts
$0Trading account gains & fees
$146Additional noninterest income
$1,806Total noninterest expense
$966Salaries and employee benefits
$164Premises and equipment expense
$676Additional noninterest expense
$566Pre-tax net operating income
$28Securities gains (losses)
$8Applicable income taxes
$586Income before extraordinary items
$0Extraordinary gains - net
$586Net income attributable to bank
$0Net charge-offs
$586Cash dividends
$9Sale, conversion, retirement of capital stock, net
$297Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.21%Yield on earning assets
1.34%Cost of funding earning assets
2.87%Net interest margin
0.63%Noninterest income to earning assets
2.65%Noninterest expense to earning assets
0.78%Net operating income to assets
0.82%Return on assets (ROA)
0.83%Pretax return on assets
8.81%Return on equity (ROE)
4.34%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
133.33%Credit loss provision to net charge-offs
64.22%Efficiency ratio
75,755Assets per employee
3.76%Cash dividends to net income (YTD only)
Condition Ratios (%)
50.68%Loss allowance to loans
1.06%Loss allowance to noncurrent loans
123.71%Noncurrent assets plus other real estate owned to assets
0.49%Noncurrent loans to loans
0.86%Net loans and leases to deposits
64.97%Net loans and leases to core deposits
67.56%Equity capital to assets
9.61%Core capital (leverage) ratio
9.31%Tier 1 risk-based capital ratio
17.83%Total risk-based capital ratio
Memoranda
$19Average assets
$71,488Average earning assets
$6,654Average equity
$68,180Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
61524
First Community Bank Of Hillsboro
807 South Main Street, Hillsboro, IL 62049
May 29, 1998
Full Service Brick and Mortar
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