People come first.
2801 BLACK ROAD JOLIET, ILLINOIS 60435 815/725-0123
bank online at www.fcbankgroup.com
Design by Gammon Group, Joliet, IL
Welcome to the community bank where people come first. What does that mean to you? Simply this — we are committed to giving you the personal, individual service you deserve. The kind of service that builds a trusted, lasting relationship between you and your banker. First Community Bank is owned and managed by local people who promise you benefits that mega banks can’t. You get a personal banker who is one of the owners. Invested in you. Committed for the long term. You get a personal banker who genuinely appreciates your business. Who knows your name. Takes time to understand your financial needs. Gives you the kind of one-on-one service you want but seldom get. You get a personal banker with complete authority to extend credit and make prompt loan decisions— no more delays from distant decision makers who don’t know you or your community.
HOURS Lobby Hours: Mon-Thu: 8:00-5:00 Fri: 8:00-6:00 Sat: 8:00-1:00 Drive-Up Hours: Mon-Thurs: 7:30-6:00 Fri: 7:30-7:00 Sat: 7:30-1:00 BANK ONLINE Check balances, transfer funds, print checks. Available 24/7 with tech support when needed. Visit www.fcbankgroup.com
Depend on committed local leadership. FOUNDING BOARD OF DIRECTORS
You get a personal banker who monitors Will County’s pulse and taps into resources that can expand your personal and business network.
George Barr, Chair Mary Margaret Cowhey
“PERHAPS WHAT YOU’LL NOTICE
Terry D’Arcy
MOST IS HOW MUCH WE APPRECIATE
John Dollinger YOUR BUSINESS. WHEN YOU CHOOSE
Roger D’Orazio Rex Easton
US AS YOUR BANK, WE’LL REWARD
Patrick Graham
YOUR LOYALTY IN TANGIBLE WAYS.”
Michael Hansen Patti Lambrecht
George Barr
John Manner
Board Chair
Stephen Morrissette
President Barr Group
Paul Pawlak Robert Sohol Mark Stofan Frank Turk, Jr. OFFICERS Stephen Morrissette President and Chief Executive Officer
Brian Wielbik Executive Vice President and Chief Operating Officer
Terry Hackett Executive Vice President and Chief Lending Officer
Glen Stiteley Senior Vice President and Chief Financial Officer
Steve Jamnik Senior Vice President
Barb Astrom Vice President Federal Deposit Insurance Corporation Each Deposit Insured to $100,000
8
W W W. F C B A N K G R O U P. C O M
FIRST COMMUNITY BANK
1
Enjoy even more rewards as a Loyalty Client. At First Community, we intend to earn your loyalty
CHECKING Small Business Checking—Economy account for modest transaction volume.
and reward you for committing to a full banking
Business Analyzed Checking—Full service “account analysis” with management features.
relationship with us. Bring us most of your
Community Organization Checking—Free for groups, a sign of our support.
banking business—checking account, CD’s, business or home-equity loan. In return, we promise to take care of you.
Interest Checking—Interest on excess funds. CASH MANAGEMENT Online Banking—Check balances, transfer funds, print checks. Available 24/7 with tech support when needed. Credit Card Deposits—Complete merchant depository services, technology to process credit card sales.
“PEOPLE ARE LOYAL
Direct Debit—Improve cash flow, increase customer retention with direct debit/ACH origination.
TO OUR FIRM BECAUSE
Debit Cards—Control, track employee purchases. Cut costs by reducing check payments.
THEY TRUST US.
Payroll Services—Eliminate payroll tasks. Ask us how.
OUR BANK WORKS THE SAME WAY.”
Sweep Accounts—Automatically invest excess cash. Lock Box—Improve your cash flow, reduce your workload. Account Reconciliation—Efficient systems reduce this time-consuming chore.
Mark Stofan Vice-President Stofan, Agazzi and Company
INTEREST EARNING Checking and Savings—Earn interest on excess funds. Money Market Account—Higher interest, accessible funds. CD’s—Smart interest on short-term excess funds. Repurchase Agreements—Are repo’s right for you? Let’s discuss it. Sweep Accounts—Put your money to work. LINES OF CREDIT Working Capital Lines—Guarantees you cash when you need it! Credit Card—Make and track company purchases, conveniently.
See disclosures for complete details.
2
W W W. F C B A N K G R O U P. C O M
Letters of Credit—When you need the promise of the bank behind you, we’re here. Import/Export Letters of Credit—We can arrange your Trade LC’s.
FIRST COMMUNITY BANK
7
LOYALTY BENEFITS BUSINESS/PROFESSIONAL CLIENT BANKING SERVICES LOANS Building Mortgages—Mortgage financing on your most important business assets. Equipment Loans—Upgrade or add capacity. We’re ready when you are. Investor Real Estate—Help in financing your income-producing property. Land Development—We’ll help you find and finance opportunities. Builders & Developers—Custom financing packages. SBA—Tap SBA money from the 7A and 504 programs. Investments and Retirement Plans—Rely on us to connect you with our financial partners in the community. See disclosures for complete details.
FREE • Loyalty Checking • Overdraft Coverage • Money Orders
“OUR NAME SAYS IT ALL—WE ARE A COMMUNITY BANK.”
HIGHER • Loyalty • Loyalty • Loyalty
YIELDS Savings MMA’s CD’s
Pat Graham President, HP Graham Construction, Inc.
PREFERRED PRICING • Check Printing • Safe Deposit Box • Traveler’s Checks • Cashier’s Checks FREE CONVENIENCES • Fax • Photocopying • Notary Public Primary checking account and additional $25,000 commitment required.
“MY BANK MADE THIS NEWCOMER FEEL RIGHT
Forget about service fees and balance requirements
AT HOME. EVERY TIME I WALK IN, MY BANKER GREETS ME LIKE A FRIEND.”
on interest-bearing Loyalty Checking and Savings Accounts. Count on us to cover for you when possible. If you are late making a deposit, or miscalculate your checkbook balance, we won’t embarrass you by bouncing
Dr. Maria Isabel Galant, DDS, LTD Client Pediatric Dentist
checks or penalize you by charging a per-item NSF fee. Get preferred pricing on check printing, safe deposit boxes, Traveler’s and cashier’s checks. Enjoy free fax and photocopy services at our convenience station in the bank lobby.
6
W W W. F C B A N K G R O U P. C O M
FIRST COMMUNITY BANK
3
PERSONAL CLIENT BANKING SERVICES CHECKING Free Checking—No minimum, no check writing limits, no direct deposit requirement. Loyalty Checking—Free, plus interest. No minimum balance, no check writing limits. Interest Checking—Competitive interest on balances. Online Banking—Check balances, transfer funds, print checks. Available 24/7 with tech support when needed.
HOME LOANS Mortgages—Your choice: fixed rate, variable rate, FHA/VA, low-down payment, first-time buyer. We’ll help you choose the best option for you. Construction Loans—Finance your new home and roll it into your mortgage. Land and Lot Loans—Buy now, build later.
ATM/Debit Card—Instant cash, no checks to write.
CONVENIENCES Safe Deposit Boxes—It’s safer in our vault.
Telephone Banking—Access accounts 24/7 via 800-897-1065.
Traveler’s Checks, Gift Checks
MONEY MARKET First MMA—Competitive interest, accessible funds.
U.S. Savings Bonds
Loyalty MMA—Higher yield, no minimum balance. SAVINGS Savings—Traditional savings, competitive interest rates.
TRUSTS and INVESTMENTS Rely on us to connect you with our financial partners in the community.
Loyalty Savings—Premium interest, no minimum.
“OUR BANKER KNOWS US AND CARES
Minor Savers—Teaches young clients the value of savings. No minimum balance.
ABOUT OUR FAMILY. WE LIKE BANKING
Holiday Savings—Funds when you need them. NEIGHBOR-TO-NEIGHBOR. CDs and IRAs Certificates of Deposit—Convenient, competitive interest, FDIC insured. Call your banker for current options, rates. IRA—Retirement savings options utilize current tax advantages.* LOANS Home Equity Line of Credit—The lowest cost, most convenient way to borrow money. Get a loan when you need it and save on taxes.* Home Equity Installment Loan—Lower rates than car loans and credit cards. Pay with regular installments, save on taxes.* Auto Loans—We help you choose the best option with potential interest and tax savings.*
NOT BANKING BY NUMBER.”
The Block Family– Regina, George, sons John and Joseph Clients
Boat/RV Loans—Funds for fun! Student Loans—Invest in education. Ask us how. Credit Cards—Choose the one where you bank. *Consult your tax advisor. See disclosures for complete details.
4
W W W. F C B A N K G R O U P. C O M
FIRST COMMUNITY BANK
5
PERSONAL CLIENT BANKING SERVICES CHECKING Free Checking—No minimum, no check writing limits, no direct deposit requirement. Loyalty Checking—Free, plus interest. No minimum balance, no check writing limits. Interest Checking—Competitive interest on balances. Online Banking—Check balances, transfer funds, print checks. Available 24/7 with tech support when needed.
HOME LOANS Mortgages—Your choice: fixed rate, variable rate, FHA/VA, low-down payment, first-time buyer. We’ll help you choose the best option for you. Construction Loans—Finance your new home and roll it into your mortgage. Land and Lot Loans—Buy now, build later.
ATM/Debit Card—Instant cash, no checks to write.
CONVENIENCES Safe Deposit Boxes—It’s safer in our vault.
Telephone Banking—Access accounts 24/7 via 800-897-1065.
Traveler’s Checks, Gift Checks
MONEY MARKET First MMA—Competitive interest, accessible funds.
U.S. Savings Bonds
Loyalty MMA—Higher yield, no minimum balance. SAVINGS Savings—Traditional savings, competitive interest rates.
TRUSTS and INVESTMENTS Rely on us to connect you with our financial partners in the community.
Loyalty Savings—Premium interest, no minimum.
“OUR BANKER KNOWS US AND CARES
Minor Savers—Teaches young clients the value of savings. No minimum balance.
ABOUT OUR FAMILY. WE LIKE BANKING
Holiday Savings—Funds when you need them. NEIGHBOR-TO-NEIGHBOR. CDs and IRAs Certificates of Deposit—Convenient, competitive interest, FDIC insured. Call your banker for current options, rates. IRA—Retirement savings options utilize current tax advantages.* LOANS Home Equity Line of Credit—The lowest cost, most convenient way to borrow money. Get a loan when you need it and save on taxes.* Home Equity Installment Loan—Lower rates than car loans and credit cards. Pay with regular installments, save on taxes.* Auto Loans—We help you choose the best option with potential interest and tax savings.*
NOT BANKING BY NUMBER.”
The Block Family– Regina, George, sons John and Joseph Clients
Boat/RV Loans—Funds for fun! Student Loans—Invest in education. Ask us how. Credit Cards—Choose the one where you bank. *Consult your tax advisor. See disclosures for complete details.
4
W W W. F C B A N K G R O U P. C O M
FIRST COMMUNITY BANK
5
LOYALTY BENEFITS BUSINESS/PROFESSIONAL CLIENT BANKING SERVICES LOANS Building Mortgages—Mortgage financing on your most important business assets. Equipment Loans—Upgrade or add capacity. We’re ready when you are. Investor Real Estate—Help in financing your income-producing property. Land Development—We’ll help you find and finance opportunities. Builders & Developers—Custom financing packages. SBA—Tap SBA money from the 7A and 504 programs. Investments and Retirement Plans—Rely on us to connect you with our financial partners in the community. See disclosures for complete details.
FREE • Loyalty Checking • Overdraft Coverage • Money Orders
“OUR NAME SAYS IT ALL—WE ARE A COMMUNITY BANK.”
HIGHER • Loyalty • Loyalty • Loyalty
YIELDS Savings MMA’s CD’s
Pat Graham President, HP Graham Construction, Inc.
PREFERRED PRICING • Check Printing • Safe Deposit Box • Traveler’s Checks • Cashier’s Checks FREE CONVENIENCES • Fax • Photocopying • Notary Public Primary checking account and additional $25,000 commitment required.
“MY BANK MADE THIS NEWCOMER FEEL RIGHT
Forget about service fees and balance requirements
AT HOME. EVERY TIME I WALK IN, MY BANKER GREETS ME LIKE A FRIEND.”
on interest-bearing Loyalty Checking and Savings Accounts. Count on us to cover for you when possible. If you are late making a deposit, or miscalculate your checkbook balance, we won’t embarrass you by bouncing
Dr. Maria Isabel Galant, DDS, LTD Client Pediatric Dentist
checks or penalize you by charging a per-item NSF fee. Get preferred pricing on check printing, safe deposit boxes, Traveler’s and cashier’s checks. Enjoy free fax and photocopy services at our convenience station in the bank lobby.
6
W W W. F C B A N K G R O U P. C O M
FIRST COMMUNITY BANK
3
Enjoy even more rewards as a Loyalty Client. At First Community, we intend to earn your loyalty
CHECKING Small Business Checking—Economy account for modest transaction volume.
and reward you for committing to a full banking
Business Analyzed Checking—Full service “account analysis” with management features.
relationship with us. Bring us most of your
Community Organization Checking—Free for groups, a sign of our support.
banking business—checking account, CD’s, business or home-equity loan. In return, we promise to take care of you.
Interest Checking—Interest on excess funds. CASH MANAGEMENT Online Banking—Check balances, transfer funds, print checks. Available 24/7 with tech support when needed. Credit Card Deposits—Complete merchant depository services, technology to process credit card sales.
“PEOPLE ARE LOYAL
Direct Debit—Improve cash flow, increase customer retention with direct debit/ACH origination.
TO OUR FIRM BECAUSE
Debit Cards—Control, track employee purchases. Cut costs by reducing check payments.
THEY TRUST US.
Payroll Services—Eliminate payroll tasks. Ask us how.
OUR BANK WORKS THE SAME WAY.”
Sweep Accounts—Automatically invest excess cash. Lock Box—Improve your cash flow, reduce your workload. Account Reconciliation—Efficient systems reduce this time-consuming chore.
Mark Stofan Vice-President Stofan, Agazzi and Company
INTEREST EARNING Checking and Savings—Earn interest on excess funds. Money Market Account—Higher interest, accessible funds. CD’s—Smart interest on short-term excess funds. Repurchase Agreements—Are repo’s right for you? Let’s discuss it. Sweep Accounts—Put your money to work. LINES OF CREDIT Working Capital Lines—Guarantees you cash when you need it! Credit Card—Make and track company purchases, conveniently.
See disclosures for complete details.
2
W W W. F C B A N K G R O U P. C O M
Letters of Credit—When you need the promise of the bank behind you, we’re here. Import/Export Letters of Credit—We can arrange your Trade LC’s.
FIRST COMMUNITY BANK
7
Depend on committed local leadership. FOUNDING BOARD OF DIRECTORS
You get a personal banker who monitors Will County’s pulse and taps into resources that can expand your personal and business network.
George Barr, Chair Mary Margaret Cowhey
“PERHAPS WHAT YOU’LL NOTICE
Terry D’Arcy
MOST IS HOW MUCH WE APPRECIATE
John Dollinger YOUR BUSINESS. WHEN YOU CHOOSE
Roger D’Orazio Rex Easton
US AS YOUR BANK, WE’LL REWARD
Patrick Graham
YOUR LOYALTY IN TANGIBLE WAYS.”
Michael Hansen Patti Lambrecht
George Barr
John Manner
Board Chair
Stephen Morrissette
President Barr Group
Paul Pawlak Robert Sohol Mark Stofan Frank Turk, Jr. OFFICERS Stephen Morrissette President and Chief Executive Officer
Brian Wielbik Executive Vice President and Chief Operating Officer
Terry Hackett Executive Vice President and Chief Lending Officer
Glen Stiteley Senior Vice President and Chief Financial Officer
Steve Jamnik Senior Vice President
Barb Astrom Vice President Federal Deposit Insurance Corporation Each Deposit Insured to $100,000
8
W W W. F C B A N K G R O U P. C O M
FIRST COMMUNITY BANK
1
Welcome to the community bank where people come first. What does that mean to you? Simply this — we are committed to giving you the personal, individual service you deserve. The kind of service that builds a trusted, lasting relationship between you and your banker. First Community Bank is owned and managed by local people who promise you benefits that mega banks can’t. You get a personal banker who is one of the owners. Invested in you. Committed for the long term. You get a personal banker who genuinely appreciates your business. Who knows your name. Takes time to understand your financial needs. Gives you the kind of one-on-one service you want but seldom get. You get a personal banker with complete authority to extend credit and make prompt loan decisions— no more delays from distant decision makers who don’t know you or your community.
HOURS Lobby Hours: Mon-Thu: 8:00-5:00 Fri: 8:00-6:00 Sat: 8:00-1:00 Drive-Up Hours: Mon-Thurs: 7:30-6:00 Fri: 7:30-7:00 Sat: 7:30-1:00 BANK ONLINE Check balances, transfer funds, print checks. Available 24/7 with tech support when needed. Visit www.fcbankgroup.com
People come first.
2801 BLACK ROAD JOLIET, ILLINOIS 60435 815/725-0123
bank online at www.fcbankgroup.com
Design by Gammon Group, Joliet, IL