First Community Bank and Trust in Beecher, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank and Trust - Overview

  • General
  • FDIC Certificate #: 15913
    Status: Active
    Federal Reserve ID: 371232
    Bank Holding Company (Regulatory Top Holder): First Community Bancorp, Inc. (RSSDID: 1208018, Location: Beecher, IL)
    Date Established: November 16, 1916
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 10320
    FDIC's unique #: 10145
    Numeric code: 13
    Regulator: FED
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: October 04, 1952
    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: 1111 Dixie Highway, Beecher, IL 60401
    County: Will
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Chicago
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
    Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
    Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
    Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
    Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $146.1 mil
    Equity capital: $14.9 mil
    Deposits held in domestic offices: $118.8 mil
    Return on assets (ROA): 0.46% ($0.7 mil)
    Quarterly return on assets: 0.51% ($0.7 mil)
    Return on Equity (ROE): 4.70% ($0.7 mil)
    Quarterly return on equity: 5.11% ($0.8 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.40% ($584.2 mil)
    Quarterly Pretax return on assets: 0.47% ($686.5 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
  • 37Total employees (full-time equivalent)
  • $146,062Total assets
  • $23,096Cash and due from depository institutions
  • $19,421Interest-bearing balances
  • $33,475Securities
  • $2,475Federal funds sold & reverse repurchase agreements
  • $73,360Net loans & leases
  • $3,521Loan loss allowance
  • $0Trading account assets
  • $2,978Bank premises and fixed assets
  • $1,719Other real estate owned
  • $0Goodwill and other intangibles
  • $146,062Life insurance assets
  • $8,959All other assets
  • $131,156Total liabilities and capital
  • $118,844Total liabilities
  • $97,832Total deposits
  • $118,844Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 7819.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,750Trading liabilities
  • $0Other borrowed funds
  • $1,743Subordinated debt
  • $14,906All other liabilities
  • $14,906Total equity capital
  • $14,906Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $7,135Surplus
  • $7,371Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $441Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,305Income earned, not collected on loans
  • $0Earning assets
  • $726Long-term assets (5+ years)
  • $128,731Average Assets, year-to-date
  • $23,560Average Assets, quarterly
  • $147,759Volatile liabilities
  • $148,377Insider loans
  • $78,462FHLB advances
  • $148,890Loans and leases held for sale
  • $3,902Unused loan commitments
  • $2,872Tier 1 (core) risk-based capital
  • $13,498Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,030Total unused commitments
  • $10,334Restructured Loans and leases
  • $4,474Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,346Total interest income
  • $678Total interest expense
  • $5,668Net interest income
  • $2,000Provision for loan and lease losses
  • $1,664Total noninterest income
  • $19Fiduciary activities
  • $772Service charges on deposit accounts
  • $0Trading account gains & fees
  • $873Additional noninterest income
  • $4,738Total noninterest expense
  • $2,223Salaries and employee benefits
  • $474Premises and equipment expense
  • $2,041Additional noninterest expense
  • $594Pre-tax net operating income
  • $0Securities gains (losses)
  • -$88Applicable income taxes
  • $682Income before extraordinary items
  • $0Extraordinary gains - net
  • $682Net income attributable to bank
  • $0Net charge-offs
  • $682Cash dividends
  • $1,868Sale, conversion, retirement of capital stock, net
  • $100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 0.52%Cost of funding earning assets
  • 4.35%Net interest margin
  • 1.28%Noninterest income to earning assets
  • 3.63%Noninterest expense to earning assets
  • 0.46%Net operating income to assets
  • 0.46%Return on assets (ROA)
  • 0.40%Pretax return on assets
  • 4.70%Return on equity (ROE)
  • 4.01%Retained earnings to average equity (YTD only)
  • 2.32%Net charge-offs to loans
  • 107.07%Credit loss provision to net charge-offs
  • 1.39%Efficiency ratio
  • 64,621Assets per employee
  • 3.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.66%Loss allowance to loans
  • 4.58%Loss allowance to noncurrent loans
  • 48.20%Noncurrent assets plus other real estate owned to assets
  • 6.18%Noncurrent loans to loans
  • 9.50%Net loans and leases to deposits
  • 61.73%Net loans and leases to core deposits
  • 64.70%Equity capital to assets
  • 10.21%Core capital (leverage) ratio
  • 9.07%Tier 1 risk-based capital ratio
  • 17.20%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $147,759Average earning assets
  • $14,502Average equity
  • $130,394Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $19Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 237Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $19Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010145First Community Bank And Trust1111 Dixie Highway, Beecher, IL 60401November 16, 1916Full Service Brick and Mortar
    1235814Peotone Branch650 Wilmington Road, Peotone, IL 60468Febuary 01, 1996Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First Community Bank and Trust.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents