First Community Bank of Joliet
2801 Black Road
Joliet, IL 60435
FDIC Certificate #: 57681   Bank Charter Class: NM
Dollar figures in thousands
First Community Bank of Joliet
Joliet, IL
March 31, 2008
First Community Bank of Joliet
Joliet, IL
March 31, 2007
     All Summary Information
     Assets and Liabilities
Total employees (full-time equivalent) 5950
Total assets 397,926264,182
Cash and due from depository institutions 19,06225,707
Interest-bearing balances 15,48123,353
Securities 46,10230,125
Federal funds sold & reverse repurchase agreements 5,42216,992
Net loans & leases 318,056186,024
Loan loss allowance 6,5323,017
Trading account assets 00
Bank premises and fixed assets 3,0162,969
Other real estate owned 00
Goodwill and other intangibles 00
All other assets 6,2682,365
Life insurance assets 00
Total liabilities and capital 397,926264,182
Total liabilities 363,182232,189
Total deposits 350,968230,754
Interest-bearing deposits 317,397203,742
Deposits held in domestic offices 350,968230,754
% insured (estimated) 58.40%47.03%
Federal funds purchased & repurchase agreements 9,5660
Trading liabilities 00
Other borrowed funds 00
Subordinated debt 00
All other liabilities 2,6481,435
Equity capital 34,74431,993
Perpetual preferred stock 00
Common stock 2,8022,802
Surplus 28,04127,671
Undivided profits 3,9011,520
Memoranda:
Noncurrent loans and leases 3,527837
Noncurrent loans that are wholly or partially guaranteed by the U.S. government 00
Income earned, not collected on loans 1,6421,104
Earning assets 385,061256,494
Long-term assets (5+ years) 95,61336,949
Average Assets, year-to-date 386,812253,629
Average Assets, quarterly 386,812253,629
Volatile liabilities 144,26464,942
Insider loans 35,06926,232
FHLB advances 00
Loans and leases held for sale 00
Unused loan commitments 97,28358,071
Tier 1 (core) capital 34,51832,042
Total risk weighted assets 397,878222,984
Total unused commitments 97,28358,071
Restructured Loans and leases 00
Derivatives 00
Past due and nonaccrual assets  
Fiduciary and related services  
     Income and Expense(Year-to-date)(Year-to-date)
Number of institutions reporting 11
Total interest income 5,5594,064
Total interest expense 3,4622,189
Net interest income 2,0971,875
Provision for loan and lease losses 2,265-223
Total noninterest income 2,97360
Fiduciary activities 00
Service charges on deposit accounts 5929
Trading account gains & fees 00
Additional noninterest income 2,91431
Total noninterest expense 2,011883
Salaries and employee benefits 1,255569
Premises and equipment expense 17481
Additional noninterest expense 582233
Pre-tax net operating income 7941,275
Securities gains (losses) 00
Applicable income taxes -134479
Income before extraordinary items 928796
Extraordinary gains - net 00
Net income 928796
Net charge-offs 00
Cash dividends 00
Sale, conversion, retirement of capital stock, net 1239
Net operating income 928796
Memo:
     Performance and Condition Ratios
% of unprofitable institutions N/AN/A
% of institutions with earnings gains N/AN/A
                 Performance Ratios (%, annualized)(Year-to-date)(Year-to-date)
Yield on earning assets 5.93%6.62%
Cost of funding earning assets 3.69%3.57%
Net interest margin 2.24%3.05%
Noninterest income to earning assets 3.17%0.10%
Noninterest expense to earning assets 2.14%1.44%
Net operating income to assets 0.96%1.26%
Return on assets (ROA) 0.96%1.26%
Pretax return on assets 0.82%2.01%
Return on equity (ROE) 10.88%10.08%
Retained earnings to average equity (YTD only) 10.88%10.08%
Net charge-offs to loans 00
Credit loss provision to net charge-offs N/AN/A
Earnings coverage of net loan charge-offs (x) N/AN/A
Efficiency ratio 39.66%45.63%
Assets per employee ($ millions) 6.745.28
Cash dividends to net income (YTD only) 00
Condition Ratios (%)
Loss allowance to loans 2.01%1.60%
Loss allowance to noncurrent loans 185.20%360.45%
Noncurrent assets plus other real estate owned to assets 0.89%0.32%
Noncurrent loans to loans 1.09%0.44%
Net loans and leases to deposits 90.62%80.62%
Net loans and leases to core deposits 147.06%112.19%
Equity capital to assets 8.73%12.11%
Core capital (leverage) ratio 8.77%12.11%
Tier 1 risk-based capital ratio 8.68%14.37%
Total risk-based capital ratio 9.93%15.62%
Memoranda:
Average assets 386,812253,629
Average earning assets 375,017245,529
Average equity 34,12931,581
Average loans 301,097179,586

Demographic Information July 3, 2008 March 31, 2008 March 31, 2007
Status Active Active Active
Bank Holding Company (Regulatory Top Holder) See Note! FIRST COMMUNITY FINANCIAL PARTNERS, INC. FIRST COMMUNITY FINANCIAL PARTNERS, INC.
Certificate# 57681 57681 57681
Federal Reserve ID Number 3263833 3263833 3263833
Institution Name First Community Bank of Joliet First Community Bank of Joliet First Community Bank of Joliet
City,State,Zip Joliet, IL, 60435 Joliet, IL, 60435 Joliet, IL, 60435
Number of Domestic Offices   3 2
Number of Foreign Offices   N/A N/A
Interstate Offices   No No
Summary Of Deposits   June 30, 2007 June 30, 2006
Current List of Total Offices Offices    
Asset Concentration Hierarchy Commercial Lending Specialization Commercial Lending Specialization Commercial Lending Specialization
Subchapter S Corporation   No No
County Will Will Will
Metropolitan Statistical Area Chicago-Naperville-Joliet, IL-IN-WI Chicago-Naperville-Joliet, IL-IN-WI Chicago-Naperville-Joliet, IL-IN-WI
Established Date June 15, 2004 June 15, 2004 June 15, 2004
Date of Deposit Insurance June 15, 2004 June 15, 2004 June 15, 2004
Last Structure Change Process Date November 3, 2006    
Last Structure Change Effective Date March 31, 2006    
Ownership Type   Stock Stock
Directly Owned by Another Bank?(CERT)   No No
Trust Powers Granted No No No
Bank Charter Class Federal Reserve
Non-member		 Federal Reserve
Non-member		 Federal Reserve
Non-member
Regulator FDIC FDIC FDIC
Insurance fund membership DIF DIF DIF
FDIC Quarterly Banking Profile Region Chicago Chicago Chicago
FDIC Geographic Region Chicago Chicago Chicago
FDIC Supervisory Region Chicago CHICAGO CHICAGO
FDIC Field Office Chicago Chicago Chicago
Federal Reserve District Chicago Chicago Chicago
Office of the Comptroller of the Currency District Central Central Central
Office of Thrift Supervision Region Central Central Central
Primary Web Address http://www.fcbankgroup.com:80/ N/A N/A