Regulatory Filing: Depository

FR Y-9C

OMB Number 7100-0128

Approval expires September 30, 2025

Page 1 of 76

Board of Governors of the Federal Reserve System

Consolidated Financial Statements for

Holding Companies - FR Y-9C

Report at the close of business as of the last calendar day of the quarter

This Report is required by law: Section 5(c) of the BHC Act

(12 U.S.C. § 1844(c)), section 10 of Home Owners' Loan Act (HOLA) (12 U.S.C. § 1467a(b)), section 618 of the Dodd-Frank Act (12 U.S.C. § 1850a(c)(1)), section 165 of the Dodd-Frank Act

(12 U.S.C. § 5365), and section 252.153(b)(2) of Regulation YY (12 CFR 252.153(b)(2)).

This report form is to be filed by holding companies with total consolidated assets of $3 billion or more. In addition, holding companies meeting certain criteria must file this report (FR

Y-9C) regardless of size. See page 1 of the general instructions for further information. However, when such holding companies own or control, or are owned or controlled by, other holding companies, only the top-tier holding company must file this report for the consolidated holding company organization. The Federal Reserve may not conduct or sponsor, and an organization (or a person) is not required to respond to, a collection of information unless it displays a currently valid OMB control number

NOTE: Each holding company's board of directors and senior	Date of Report: June 30, 2023
management are responsible for establishing and maintaining an		Month / Day / Year (BHCK 9999)
effective system of internal control, including controls over the
Consolidated Financial Statements for Holding Companies. The
Consolidated Financial Statements for Holding Companies
is to be prepared in accordance with instructions provided by the
Federal Reserve System. The Consolidated Financial Statements
for Holding Companies must be signed and attested by the
Chief Financial Officer (CFO) of the reporting holding company
(or by the individual performing this equivalent function).
I, the undersigned CFO (or equivalent) of the named holding
company, attest that the Consolidated Financial Statements for
Holding Companies (including the supporting schedules) for this
report date have been prepared in conformance with the instructions
issued by the Federal Reserve System and are true and correct to
the best of my knowledge and belief.
DEAN E COOKE		FORESIGHT FINANCIAL GROUP, INC.
Printed Name of Chief Financial Officer (or Equivalent) (BHCK C490)	Legal Title of Holding Company (RSSD 9017)
		809 CANNELL PURI CT - PO BOX 339
Signature of Chief Financial Officer (or Equivalent) (BHCK H321)	(Mailing Address of the Holding Company) Street / PO Box (RSSD 9110)

07/24/2023

WINNEBAGO, IL 61088

Date of Signature (MM/DD/YYYY) (BHTX J196)City (RSSD 9130) State (RSSD 9200)ZIP Code (RSSD 9220)

						Person to whom questions about this report should be directed:
Is confidential treatment	0=No	BHCK
		DEAN E COOKE, CHIEF FINANCIAL OFFICER
requested for any portion	1=Yes	C447	NO
of this report submission?					Name / Title (BHTX 8901)
In accordance with the General Instructions for this report (check only one),	[phone]
1. a letter justifying this request is being provided along with the			Area Code / Phone Number (BHTX 8902)
report	(BHCK KY38)					[phone]
2. a letter justifying this request has been provided separately			Area Code / FAX Number (BHTX 9116)
(BHCK KY38)					[e-mail]
						E-mail Address of Contact (BHTX 4086)
For Federal Reserve Bank Use Only
RSSD ID	________________
C.I.	_____	S.F. ____

Holding companies must maintain in their files a manually signed and attested printout of the data submitted.

Public reporting burden for this information collection is estimated to vary from 5 to 1,250 hours per response, with an average of 44.79 hours per response for non-Advanced Approaches holding companies with $5 billion or more and an average of 35.59 hours per response for non-Advanced Approaches holding companies with less than $5 billion in total assets and 49.80 hours for Advanced Approaches holding companies, including time to gather and maintain data in the required form and to review instructions and complete the information collection.

Comments regarding this burden estimate or any other aspect of this information collection, including suggestions for reducing the burden, may be sent to Secretary, Board of Governors of the Federal Reserve System, 20th and C Streets, NW, Washington, DC 20551, and to the Office of Management and Budget, Paperwork Reduction Project (7100-0128), Washington, DC 20503.

FR Y-9C

Page 2 of 76

Chief Executive Officer Contact Information

This information is being requested so the Board can distribute notifications about policy initiatives and other matters directly to the Chief Executive Officers of reporting institutions. Please provide contact information for the Chief Executive Officer of the reporting institution. Enter "none" for the Chief Executive Officer's email address if not available. Chief Executive Officer contact information is for the confidential use of the Board and will not be released to the public.

Chief Executive Officer

Peter Morrison

Name (BHCK FT42 )

[phone]

Area Code / Phone Number / Extension (BHCK FT43)

[e-mail]

E-mail Address (BHCK FT44)

FORESIGHT FINANCIAL GROUP, INC. 809 CANNELL PURI CT - PO BOX 339 WINNEBAGO, IL 61088

Report of Income for Holding Companies

Report all Schedules of the Report of Income on a calendar year-to-date basis.

For Federal Reserve Bank Use Only

RSSD ID	________________
S.F.	________________

FR Y-9C Page 3 of 76

Schedule HI - Consolidated Income Statement

Dollar Amounts in Thousands	BHCK	Amount
1. Interest income
a. Interest and fee income on loans:
(1) In domestic offices:
(a) Loans secured by 1-4 family residential properties__________________________________________	4435	3,562
(b) All other loans secured by real estate____________________________________________________	4436	12,600
(c) All other loans______________________________________________________________________	F821	11,966
(2) In foreign offices, Edge and Agreement subsidiaries, and IBFs	4059	0
b. Income from lease financing receivables	4065	1
c. Interest income on balances due from depository institutions [1]	4115	610
d. Interest and dividend income on securities:
(1) U.S. Treasury securities and U.S. government agency obligations (excluding
mortgage-backed securities)	B488	1,074
(2) Mortgage-backed securities	B489	1,642
(3) All other securities	4060	1,373
e. Interest income from trading assets [2]	4069	N/A
f. Interest income on federal funds sold and securities purchased under agreements
to resell	4020	117
g. Other interest income	4518	90
h. Total interest income (sum of items 1.a through 1.g)________________________________________________	4107	33,035
2. Interest expense
a. Interest on deposits:
(1) In domestic offices:
(a) Time deposits of $250,000 or less	HK03	3,263
(b) Time deposits of more than $250,000	HK04	1,618
(c) Other deposits	6761	2,855
(2) In foreign offices, Edge and Agreement subsidiaries and IBFs	4172	0
b. Expense on federal funds purchased and securities sold under agreements to
repurchase	4180	342
c. Interest on trading liabilities and other borrowed money [2]
(excluding subordinated notes and debentures)	4185	N/A
d. Interest on subordinated notes and debentures and on mandatory convertible
securities [2]	4397	N/A
e. Other interest expense	4398	219
f. Total interest expense (sum of items 2.a through 2.e)	4073	8,297
3. Net interest income (item 1.h minus item 2.f)	4074	24,738
4. Provision for loan and lease losses [3]	JJ33	2,907
5. Noninterest income:
a. Income from fiduciary activities	4070	243
b. Service charges on deposit accounts in domestic offices	4483	521
c. Trading revenue [2,4]	A220	N/A

1.a.(1)(a)

1.a.(1)(b)

1.a.(1)(c)

1.a.(2)

1.b.

1.c.

1.d.(1)

1.d.(2)

1.d.(3)

1.e.

1.f.

1.g.

1.h.

2.a.(1)(a)

2.a.(1)(b)

2.a.(1)(c)

2.a.(2)

2.b.

2.c.

2.d.

2.e.

2.f.

3.

4.

5.a.

5.b.

5.c.

1. Includes interest income on time certificates of deposit not held for trading.
2. To be completed by holding companies with $5 billion or more in total assets. (Asset-size test is based on the prior year June 30 report date). Income and or expenses pertaining to these items should be reported in the "other" categories 1.g, 2.e, and 5.l, respectively by holding companies with less than $5 billion in total assets.
3. Institutions that have adopted ASU 2016-13 should report in item 4, the provisions for credit losses for all

financial assets and off-balance sheet credit exposures that fall within the scope of the standard.

4. For holding companies required to complete Schedule HI, memoranda item 9, trading revenue reported in Schedule HI, item 5.c must equal the sum of memoranda items 9.a through 9.e.

FORESIGHT FINANCIAL GROUP, INC.	FR Y-9C
809 CANNELL PURI CT - PO BOX 339	Page 4 of 76
WINNEBAGO, IL 61088

Schedule HI - Continued

Dollar Amounts in Thousands		BHCK	Amount
Holding companies with less than $5 billion in total assets should report data items 5.d.(6) and
5.d.(7) only and leave 5.d.(1) through 5.d.(5) blank.
5.d. Income from securities-related and insurance activities:
(1) Fees and commissions from securities brokerage		C886	N/A
(2) Investment banking, advisory, and underwriting fees and commissions		C888	N/A
(3) Fees and commissions from annuity sales		C887	N/A
(4) Underwriting income from insurance and reinsurance activities_____________________________________		C386	N/A
(5) Income from other insurance activities		C387	N/A
(6) Fees and commissions from securities brokerage, investment banking,
advisory, and underwriting fees and commissions		KX46	40
(7) Income from insurance activities [5]		KX47	7
e. Venture capital revenue [6]		B491	N/A
f. Net servicing fees		B492	256
g. Net securitization income [6]		B493	N/A
h. Not applicable.
i. Net gains (losses) on sales of loans and lease______________________________________________________		8560	300
j. Net gains (losses) on sales of other real estate owned		8561	36
k. Net gains (losses) on sales of other assets [7]		B496	20
l. Other noninterest income [8]		B497	2,003
m. Total noninterest income (sum of items 5.a through 5.l)_____________________________________________		4079	3,426
6. a. Realized gains (losses) on held-to-maturity securities		3521	0
b. Realized gains (losses) on available-for-sale debt securities		3196	-185
7. Noninterest expense:
a. Salaries and employee benefits		4135	11,007
b. Expenses of premises and fixed assets (net of rental income) (excluding salaries and
employee benefits and mortgage interest)		4217	1,212
c. (1) Goodwill impairment losses		C216	0
(2) Amortization expense and impairment losses for other intangible assets		C232	0
d. Other noninterest expense [9]		4092	6,166
e. Total noninterest expense (sum of items 7.a through 7.d)		4093	18,385
8. a. Income (loss) before change in net unrealized holding gains (losses) on equity
securities not held for trading, applicable income taxes, and discontinued
operations (sum of items 3 , 5.m, 6.a, 6.b, minus items 4 and 7.e)		HT69	6,687
b. Change in net unrealized holding gains (losses) on equity securities not held
for trading [10]______________________________________________________________________________		HT70	68
c. Income (loss) before applicable income taxes and discontinued
operations (sum of items 8.a and 8.b)_______________________________________________________		4301	6,755
9. Applicable income taxes (on item 8.c)______________________________________________________		4302	1,487
10. Income (loss) before discontinued operations (item 8.c. minus item 9)		4300	5,268
11. Discontinued operations, net of applicable income taxes [11]		FT28	0
12. Net income (loss) attributable to holding company and noncontrolling (minority)
interests (sum of items 10 and 11)_______________________________________________________________		G104	5,268
13. LESS: Net income (loss) attributable to noncontrolling (minority) interests
(if net income, report as a positive value; if net loss, report as a negative value)		G103	0
14. Net income (loss) attributable to holding company (item 12 minus item 13)		4340	5,268

5.d.(1)

5.d.(2)

5.d.(3)

5.d.(4)

5.d.(5)

5.d.(6)

5.d.(7)

5.e.

5.f.

5.g.

5.i.

5.j.

5.k.

5.l.

5.m.

6.a.

6.b.

7.a.

7.b.

7.c.(1)

7.c.(2)

7.d.

7.e.

8.a.

8.b.

8.c

9.

10.

11.

12.

13.

14.

5.Includes underwriting income from insurance and reinsurance activities.

1. To be completed by holding companies with $5 billion or more in total assets. (Asset-size test is based on the prior year June 30 report date). Income and or expenses pertaining to these items should be reported in the "other" categories.
2. Excludes net gains(losses) on sales of trading assets and held-to-maturity and available-for-sale debt securities.
3. See Schedule HI, memoranda item 6.
4. See Schedule HI, memoranda item 7.
5. Item 8.b is to be completed by all holding companies. See the instructions for this item and the Glossary entry for "Securities Activities" for further detail on accounting for investments in equity securities.
6. Describe on Schedule HI, memoranda item 8.

FORESIGHT FINANCIAL GROUP, INC.	FR Y-9C
809 CANNELL PURI CT - PO BOX 339	Page 5 of 76
WINNEBAGO, IL 61088

Schedule HI - Continued

Memoranda

		Dollar Amounts in Thousands	BHCK	Amount
Memo Items 1 and 2 are to be reported by holding companies with $5 billion or more in total assets.[1]
1. Net interest income (item 3 above) on a fully taxable equivalent basis	4519	N/A
2. Net income before applicable income taxes, and discontinued operations (item 8.c above)
on a fully taxable equivalent basis________________________________________________________________	4592	N/A
3. Income on tax-exempt loans and leases to states and political subdivisions
in the U.S. (included in Schedule HI, items 1.a and 1.b, above)	4313	136
4. Income on tax-exempt securities issued by states and political subdivisions in the U.S.
(included in Schedule HI, item 1.d.(3), above)	4507	1,009
5. Number of full-time equivalent employees at end of current period (round to nearest	BHCK	Number
whole number)	4150	243
Memo Items 6.a through 6.j are to be completed annually on a calendar year-to-date basis in the
December report only by holding companies with less than $5 billion in total assets. Holding
companies with $5 billion or more in total assets should report these items on a quarterly basis. [1]
6. Other noninterest income (from Schedule HI, item 5.l, above) (only report amounts
greater than $100,000 that exceed 7 percent of Schedule HI, item 5.l):	BHCK	Amount
a. Income and fees from the printing and sale of checks	C013	N/A
b. Earnings on/increase in value of cash surrender value of life insurance	C014	N/A
c. Income and fees from automated teller machines (ATMs)	C016	N/A
6. d. Rent and other income from other real estate owned________________________________________________	4042	N/A
e. Safe deposit box rent	C015	N/A
f. Bank card and credit card interchange fees______________________________________________________ F555	N/A
g. Income and fees from wire transfers	T047	N/A
	TEXT
h.	8562		8562	N/A
	TEXT
i.	8563		8563	N/A
	TEXT
j.	8564		8564	N/A
Memo Items 7.a through 7.p are to be completed annually on a calendar year-to-date basis in the
December report only by holding companies with less than $5 billion in total assets. Holding
companies with $5 billion or more in total assets should report these items on a quarterly basis. [1]

7. Other noninterest expense (from Schedule HI, item 7.d, above) (only report amounts greater than $100,000 that exceed 7 percent of the sum of Schedule HI, item 7.d):

a. Data processing expenses	C017	N/A
b. Advertising and marketing expenses	0497	N/A
	4136	N/A
c. Directors' fees_______________________________________________________________________________
	C018	N/A
d. Printing, stationery, and supplies________________________________________________________________
e. Postage	8403	N/A
f. Legal fees and expenses	4141	N/A
	4146	N/A
g. FDIC deposit insurance assessments [2]__________________________________________________________
	F556	N/A
h. Accounting and auditing expenses_______________________________________________________________
	F557	N/A
i. Consulting and advisory expenses_______________________________________________________________
j. Automated teller machine (ATM) and interchange expenses	F558	N/A
k. Telecommunications expenses	F559	N/A
l. Other real estate owned expenses	Y923	N/A

M.1.

M.2.

M.3.

M.4.

M.5.

M.6.a.

M.6.b.

M.6.c.

M.6.d.

M.6.e.

M.6.f.

M.6.g.

M.6.h.

M.6.i.

M.6.j.

M.7.a.

M.7.b.

M.7.c.

M.7.d.

M.7.e.

M.7.f.

M.7.g.

M.7.h.

M.7.i.

M.7.j.

M.7.k.

M.7.l.

1. Asset-sizetest is based on the total assets reported as of prior year June 30 report date.
2. Amounts reported in Memorandum item 7.g will not be made available to the public on an individual institution basis.