First Community Bank and Trust

Major Rating Factors: Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.5. Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.6 has resulted in Excellent (7.6) profitability.

Other Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.6 on a scale of 0 to 10). A current level of 13.6 percent of nonperforming loans to core capital combined with 18.2 percent from a year earlier contributes to the Fair asset quality (4.6).

Asset Mix: Securities (36%), comm re (27%), comm loans (14%), cash (6%), consumer loans (2%), home mtgs (2%), home eq lns (1%), other (11%)

States with Branches: IL

Asset Quality

Non-Performing Loans to Capital

13.56%

Non-Performing Assets to Assets

1.77%

Non-Performing Loans to Loans

3.35%

Loan Loss Reserves to Loans

1.45%

Charge-Offs to Average Loans

-0.04%

5-Year Charge-Offs to Average Loans

0.29%

5-Year Asset Growth

7.13%

1-Year Asset Growth

-3.57%

Profitability

Operating Profit to Average Assets

2.03%

Return on Equity

14.98%

Net Interest Spread

4.23%

5-Year ROAA (Return on Average Assets)

1.13%

Overhead Efficiency Ratio

54.43%

Liquidity

Liquidity Ratio

34.06%

Hot Money

5.97%

Corporate Info

Group Affiliation

First Community Bancorp, Inc.

Investment Rating

Address

1111 Dixie Highway
Beecher, IL 60401

Phone Number

(708) 946-2246

Year Founded

1916

FDIC Number

15913

Website

http://www.firstcbt.bank

Largest Affiliates

No affiliate information available.