first community bank brochure
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Peoplecome
first.
2801 BLACK ROAD
JOLIET, ILLINOIS 60435815/725-0123
bank online atwww.fcbankgroup.com
Design by Gammon Group, Joliet, IL
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.
Welcome to the community bank
where people come first.
HOURSLobby Hours: Mon-Thu: 8:00-5:00Fri: 8:00-6:00Sat: 8:00-1:00
Drive-Up Hours: Mon-Thurs: 7:30-6:00Fri: 7:30-7:00Sat: 7:30-1:00
BANK ONLINE Check balances, transfer funds, print checks. Available 24/7 with tech support when needed. Visitwww.fcbankgroup.com
1F I R S T C O M M U N I T Y B A N K
George BarrBoard Chair
PresidentBarr Group
You get a personal banker who monitors Will
County’s pulse and taps into resources that can
expand your personal and business network.
8 W W W . F C B A N K G R O U P . C O M
FOUNDING BOARD OF DIRECTORS
George Barr, Chair
Mary Margaret Cowhey
Terry D’Arcy
John Dollinger
Roger D’Orazio
Rex Easton
Patrick Graham
Michael Hansen
Patti Lambrecht
John Manner
Stephen Morrissette
Paul Pawlak
Robert Sohol
Mark Stofan
Frank Turk, Jr.
OFFICERS
Stephen Morrissette President and Chief Executive Officer
Brian WielbikExecutive Vice President and Chief Operating Officer
Terry HackettExecutive Vice President and Chief Lending Officer
Glen StiteleySenior Vice President and Chief Financial Officer
Steve JamnikSenior Vice President
Barb AstromVice President
Depend on committedlocal leadership.
“PERHAPS WHAT YOU’LL NOTICE
MOST IS HOW MUCH WE APPRECIATE
YOUR BUSINESS. WHEN YOU CHOOSE
US AS YOUR BANK, WE’LL REWARD
YOUR LOYALTY IN TANGIBLE WAYS.”
Federal Deposit Insurance CorporationEach Deposit Insured to $100,000
Enjoy even more rewardsas a Loyalty Client.
At First Community, we intend to earn your loyalty
and reward you for committing to a full banking
relationship with us. Bring us most of your
banking business—checking account, CD’s,
business or home-equity loan. In return,
we promise to take care of you.
7F I R S T C O M M U N I T Y B A N K
CHECKINGSmall Business Checking—Economy account for
modest transaction volume.
Business Analyzed Checking—Full service “account analysis” with management features.
Community Organization Checking—Free for groups, a sign of our support.
Interest Checking—Interest on excess funds.
CASH MANAGEMENTOnline 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.
Direct Debit—Improve cash flow, increase customer retention with direct debit/ACH origination.
Debit Cards—Control, track employee purchases.Cut costs by reducing check payments.
Payroll Services—Eliminate payroll tasks. Ask us how.
Sweep Accounts—Automatically invest excess cash.
Lock Box—Improve your cash flow, reduce your workload.
Account Reconciliation—Efficient systems reduce this time-consuming chore.
INTEREST EARNINGChecking 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 CREDITWorking Capital Lines—Guarantees you cash when
you need it!
Credit Card—Make and track company purchases, conveniently.
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.
“PEOPLE ARE LOYAL
TO OUR FIRM BECAUSE
THEY TRUST US.
OUR BANK WORKS
THE SAME WAY.”
Mark Stofan
Vice-PresidentStofan, Agazziand Company
See disclosures forcomplete details.
W W W . F C B A N K G R O U P . C O M2
3F I R S T C O M M U N I T Y B A N K
FREE• Loyalty Checking• Overdraft Coverage• Money Orders
HIGHER YIELDS• Loyalty Savings• Loyalty MMA’s• Loyalty CD’s
PREFERRED PRICING• Check Printing• Safe Deposit Box• Traveler’s Checks• Cashier’s Checks
FREE CONVENIENCES• Fax• Photocopying• Notary Public
LOYALTY BENEFITS
Primary checking account and additional $25,000 commitment required.
“OUR NAME SAYS
IT ALL—WE ARE A
COMMUNITY BANK.”
Pat Graham
President, HP GrahamConstruction, Inc.
6 W W W . F C B A N K G R O U P . C O M
BUSINESS/PROFESSIONAL CLIENTBANKING SERVICES
LOANSBuilding 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 usto connect you with our financial partners inthe community.
See disclosures for complete details.
Forget about service
fees and balance requirements
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
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.
Dr. Maria Isabel Galant,DDS, LTD
ClientPediatric Dentist
“MY BANK MADE THIS
NEWCOMER FEEL RIGHT
AT HOME. EVERY TIME I
WALK IN, MY BANKER
GREETS ME LIKE A
FRIEND.”
“OUR BANKER KNOWS US AND CARES
ABOUT OUR FAMILY. WE LIKE BANKING
NEIGHBOR-TO-NEIGHBOR.
NOT BANKING
BY NUMBER.”
The Block Family–Regina,George,sons John and Joseph
Clients
5F I R S T C O M M U N I T Y B A N K4 W W W . F C B A N K G R O U P . C O M
PERSONAL CLIENTBANKING SERVICES
CHECKINGFree 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.
ATM/Debit Card—Instant cash, no checks to write.
Telephone Banking—Access accounts 24/7 via 800-897-1065.
MONEY MARKETFirst MMA—Competitive interest, accessible funds.
Loyalty MMA—Higher yield, no minimum balance.
SAVINGSSavings—Traditional savings, competitive interest rates.
Loyalty Savings—Premium interest, no minimum.
Minor Savers—Teaches young clients the value of savings. No minimum balance.
Holiday Savings—Funds when you need them.
CDs and IRAsCertificates of Deposit—Convenient, competitive interest,
FDIC insured. Call your banker for current options, rates.
IRA—Retirement savings options utilize current tax advantages.*
LOANSHome 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.*
Boat/RV Loans—Funds for fun!
Student Loans—Invest in education. Ask us how.
Credit Cards—Choose the one where you bank.
HOME LOANSMortgages—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.
CONVENIENCESSafe Deposit Boxes—It’s safer in our vault.
Traveler’s Checks, Gift Checks
U.S. Savings Bonds
TRUSTS and INVESTMENTSRely on us to connect you with our financial partners in the community.
*Consult your tax advisor.See disclosures for complete details.
“OUR BANKER KNOWS US AND CARES
ABOUT OUR FAMILY. WE LIKE BANKING
NEIGHBOR-TO-NEIGHBOR.
NOT BANKING
BY NUMBER.”
The Block Family–Regina,George,sons John and Joseph
Clients
5F I R S T C O M M U N I T Y B A N K4 W W W . F C B A N K G R O U P . C O M
PERSONAL CLIENTBANKING SERVICES
CHECKINGFree 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.
ATM/Debit Card—Instant cash, no checks to write.
Telephone Banking—Access accounts 24/7 via 800-897-1065.
MONEY MARKETFirst MMA—Competitive interest, accessible funds.
Loyalty MMA—Higher yield, no minimum balance.
SAVINGSSavings—Traditional savings, competitive interest rates.
Loyalty Savings—Premium interest, no minimum.
Minor Savers—Teaches young clients the value of savings. No minimum balance.
Holiday Savings—Funds when you need them.
CDs and IRAsCertificates of Deposit—Convenient, competitive interest,
FDIC insured. Call your banker for current options, rates.
IRA—Retirement savings options utilize current tax advantages.*
LOANSHome 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.*
Boat/RV Loans—Funds for fun!
Student Loans—Invest in education. Ask us how.
Credit Cards—Choose the one where you bank.
HOME LOANSMortgages—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.
CONVENIENCESSafe Deposit Boxes—It’s safer in our vault.
Traveler’s Checks, Gift Checks
U.S. Savings Bonds
TRUSTS and INVESTMENTSRely on us to connect you with our financial partners in the community.
*Consult your tax advisor.See disclosures for complete details.
3F I R S T C O M M U N I T Y B A N K
FREE• Loyalty Checking• Overdraft Coverage• Money Orders
HIGHER YIELDS• Loyalty Savings• Loyalty MMA’s• Loyalty CD’s
PREFERRED PRICING• Check Printing• Safe Deposit Box• Traveler’s Checks• Cashier’s Checks
FREE CONVENIENCES• Fax• Photocopying• Notary Public
LOYALTY BENEFITS
Primary checking account and additional $25,000 commitment required.
“OUR NAME SAYS
IT ALL—WE ARE A
COMMUNITY BANK.”
Pat Graham
President, HP GrahamConstruction, Inc.
6 W W W . F C B A N K G R O U P . C O M
BUSINESS/PROFESSIONAL CLIENTBANKING SERVICES
LOANSBuilding 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 usto connect you with our financial partners inthe community.
See disclosures for complete details.
Forget about service
fees and balance requirements
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
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.
Dr. Maria Isabel Galant,DDS, LTD
ClientPediatric Dentist
“MY BANK MADE THIS
NEWCOMER FEEL RIGHT
AT HOME. EVERY TIME I
WALK IN, MY BANKER
GREETS ME LIKE A
FRIEND.”
Enjoy even more rewardsas a Loyalty Client.
At First Community, we intend to earn your loyalty
and reward you for committing to a full banking
relationship with us. Bring us most of your
banking business—checking account, CD’s,
business or home-equity loan. In return,
we promise to take care of you.
7F I R S T C O M M U N I T Y B A N K
CHECKINGSmall Business Checking—Economy account for
modest transaction volume.
Business Analyzed Checking—Full service “account analysis” with management features.
Community Organization Checking—Free for groups, a sign of our support.
Interest Checking—Interest on excess funds.
CASH MANAGEMENTOnline 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.
Direct Debit—Improve cash flow, increase customer retention with direct debit/ACH origination.
Debit Cards—Control, track employee purchases.Cut costs by reducing check payments.
Payroll Services—Eliminate payroll tasks. Ask us how.
Sweep Accounts—Automatically invest excess cash.
Lock Box—Improve your cash flow, reduce your workload.
Account Reconciliation—Efficient systems reduce this time-consuming chore.
INTEREST EARNINGChecking 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 CREDITWorking Capital Lines—Guarantees you cash when
you need it!
Credit Card—Make and track company purchases, conveniently.
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.
“PEOPLE ARE LOYAL
TO OUR FIRM BECAUSE
THEY TRUST US.
OUR BANK WORKS
THE SAME WAY.”
Mark Stofan
Vice-PresidentStofan, Agazziand Company
See disclosures forcomplete details.
W W W . F C B A N K G R O U P . C O M2
1F I R S T C O M M U N I T Y B A N K
George BarrBoard Chair
PresidentBarr Group
You get a personal banker who monitors Will
County’s pulse and taps into resources that can
expand your personal and business network.
8 W W W . F C B A N K G R O U P . C O M
FOUNDING BOARD OF DIRECTORS
George Barr, Chair
Mary Margaret Cowhey
Terry D’Arcy
John Dollinger
Roger D’Orazio
Rex Easton
Patrick Graham
Michael Hansen
Patti Lambrecht
John Manner
Stephen Morrissette
Paul Pawlak
Robert Sohol
Mark Stofan
Frank Turk, Jr.
OFFICERS
Stephen Morrissette President and Chief Executive Officer
Brian WielbikExecutive Vice President and Chief Operating Officer
Terry HackettExecutive Vice President and Chief Lending Officer
Glen StiteleySenior Vice President and Chief Financial Officer
Steve JamnikSenior Vice President
Barb AstromVice President
Depend on committedlocal leadership.
“PERHAPS WHAT YOU’LL NOTICE
MOST IS HOW MUCH WE APPRECIATE
YOUR BUSINESS. WHEN YOU CHOOSE
US AS YOUR BANK, WE’LL REWARD
YOUR LOYALTY IN TANGIBLE WAYS.”
Federal Deposit Insurance CorporationEach Deposit Insured to $100,000
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.
Welcome to the community bank
where people come first.
HOURSLobby Hours: Mon-Thu: 8:00-5:00Fri: 8:00-6:00Sat: 8:00-1:00
Drive-Up Hours: Mon-Thurs: 7:30-6:00Fri: 7:30-7:00Sat: 7:30-1:00
BANK ONLINE Check balances, transfer funds, print checks. Available 24/7 with tech support when needed. Visitwww.fcbankgroup.com
Peoplecome
first.
2801 BLACK ROAD
JOLIET, ILLINOIS 60435815/725-0123
bank online atwww.fcbankgroup.com
Design by Gammon Group, Joliet, IL
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