Foresight Financial : Reports 2015 Operating Results

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NEWS RELEASE financial group, inc.

FORESIGHT FINANCIAL GROUP, INC.

3106 N. Rockton Ave. Rockford, Illinois 61103

FOR IMMEDIATE RELEASE: January 15, 2016 FOR INFORMATION,

CONTACT: Brent Myers

President & CEO or [phone]

Dean Cooke

Chief Financial Officer [phone]

FORESIGHT REPORTS ANNUAL 2015 OPERATING RESULTS

Foresight Financial Group, Inc., a Rockford, IL based multi-bank holding company with fifteen banking offices in Winnebago, Stephenson, and Kankakee counties, reports that for the full year of 2015, net income increased by 28% to $10,544,000 from $8,262,000 reported inthe year 2014. Net income for 2015 includes a non-taxable Discount Purchase Gain of $1,133,000 resultant from the company's acquisition of the State Bank of Herscher in July 2015. Basic earnings per common share (inclusive of the purcha se gain) of $2.91, increased by 28% from the $2.28 per share reported for 2014. Return on average assets for 2014 was 1.06%, and return on stockholders' equity was 10.75%.

Foresight President Brent Myers stated: "We are very pleased with our 20 15 core net income coupled with the unanticipated discount purchase gain that when combined reflects strong earnings improvement over prior year and exceeded our internal expectations. Credit costs related to provision for potential loan losses was reduced by $1.0 million from 2014. Net interest income improved $2.5 million or 8.1% with non-int erest income improving $0.8 million or 15%. Non-interest income was enhanced in 2015 by increased volumes in our mortgage division as well as bond gains associated with the Herscher acquisition. Operating expenses reflect an increase of 13.2% or $2.8 million primarily reflective of the overhead and acquisition costs related to the sixth bank subsidiary. At year end, the allowance for possible loan losses of $14.8 million remains over 2.0% of total loans which based on credit evaluation is sufficient to manage existing and additional credit issues."

Foresight's main customer related net balance sheet changes over the past year reflect both acquired and organic growth, as total loans, deposits, and assets increased by 10.6%, 18.8% and 16.6% respectively to $726 million, $937 million, and $1.077 billion. Foresight continues to hold the largest market share of deposits of any financial institution operating in Stephenson County.

Foresight's community banks include Northwest Bank of Rockford , State Bank in Freeport, State Bank of Davis, German-Amer ican State Bank, German Valley, Lena State Bank and the State Bank of Herscher. Foresight's common stock is listed on the OTC Pink marketplace under the

trading symbol FGFH. Closing price for the common stock was $24.40 per share at the close of business January 14, 2016.

CORPORATE OFFICES:

3106 N Rockton Ace. Rorlfortl, IL 61103-2839

Phone: 8 /5.84i.7500

Fax: [phone]