First Community Bank of Hillsboro in Hillsboro, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Community Bank of Hillsboro - Overview

  • General
  • 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
    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
  • NoIDNameAddressEstablishedService TypeMap
    061524First Community Bank Of Hillsboro807 South Main Street, Hillsboro, IL 62049May 29, 1998Full Service Brick and Mortar

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