Albany Bank and Trust Company National Association in city_name, state_name

Albany Bank and Trust Company National Association in Chicago, Illinois (IL)
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Albany Bank and Trust Company National Association routing number info

Albany Bank and Trust Company National Association - Overview

General
FDIC Certificate #: 17230
Status: Active
Federal Reserve ID: 2732
Bank Holding Company (Regulatory Top Holder): Albank Corporation (RSSDID: 1208933, Location: Chicago, IL)
Date Established: June 27, 1953
WWW: http://www.albanybank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 11257
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: June 27, 1953
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 3424 West Lawrence Avenue, Chicago, IL 60625
County: Cook
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Chicago
FDIC Field Office: Chicago
Office of the Comptroller the Currency (OCC) District: Central
Office of Thrift Supervision Region: Central
Metropolitan Statistical Area (MSA): Chicago, IL (#1600)
Consolidated Metropolitan Statistical Area (CMSA): Chicago-Gary-Kenosha, IL-IN-WI (#14)
Combined Statistical Area (CSA): Chicago-Naperville-Michigan City, IL-IN-WI (#176)
Core Based Statistical Area (CBSA): Chicago-Joliet-Naperville, IL-IN-WI (#16980)
CBSA Metro Statistical Area: Chicago-Joliet-Naperville, IL-IN-WI (#16980)
Core Based Statistical Division: Chicago-Joliet-Naperville, IL (#16974)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $523.4 mil
Equity capital: $77.2 mil
Deposits held in domestic offices: $444.8 mil
Return on assets (ROA): 0.72% ($3.8 mil)
Quarterly return on assets: 1.32% ($6.9 mil)
Return on Equity (ROE): 4.96% ($3.8 mil)
Quarterly return on equity: 9.06% ($7.0 mil)
Net income: $3.7 mil
Quarterly Net income: $1.7 mil
Pretax return on assets: 1.01% ($5,286.4 mil)
Quarterly Pretax return on assets: 1.51% ($7,903.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
92Total employees (full-time equivalent)
$523,409Total assets
$71,453Cash and due from depository institutions
$56,162Interest-bearing balances
$82,849Securities
$0Federal funds sold & reverse repurchase agreements
$355,859Net loans & leases
$6,173Loan loss allowance
$0Trading account assets
$4,782Bank premises and fixed assets
$2,064Other real estate owned
$1,112Goodwill and other intangibles
$523,409Life insurance assets
$5,290All other assets
$446,221Total liabilities and capital
$444,750Total liabilities
$358,174Total deposits
$444,750Interest-bearing deposits
$71Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$1,471Subordinated debt
$77,188All other liabilities
$77,188Total equity capital
$77,188Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$5,789Surplus
$71,399Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$13,832Income earned, not collected on loans
$0Earning assets
$1,672Long-term assets (5+ years)
$494,870Average Assets, year-to-date
$102,985Average Assets, quarterly
$520,350Volatile liabilities
$524,650Insider loans
$357,456FHLB advances
$526,673Loans and leases held for sale
$361Unused loan commitments
$0Tier 1 (core) risk-based capital
$74,914Tier 2 risk-based capital
$361Total risk weighted assets
$0Total unused commitments
$45,195Restructured Loans and leases
$33,529Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$20,081Total interest income
$2,411Total interest expense
$17,670Net interest income
$2,850Provision for loan and lease losses
$815Total noninterest income
$84Fiduciary activities
$931Service charges on deposit accounts
$0Trading account gains & fees
-$200Additional noninterest income
$10,389Total noninterest expense
$5,890Salaries and employee benefits
$1,262Premises and equipment expense
$3,237Additional noninterest expense
$5,246Pre-tax net operating income
$0Securities gains (losses)
$1,510Applicable income taxes
$3,736Income before extraordinary items
$0Extraordinary gains - net
$3,736Net income attributable to bank
$0Net charge-offs
$3,736Cash dividends
$1,860Sale, conversion, retirement of capital stock, net
$992Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.11%Yield on earning assets
0.49%Cost of funding earning assets
3.62%Net interest margin
0.17%Noninterest income to earning assets
2.13%Noninterest expense to earning assets
0.72%Net operating income to assets
0.72%Return on assets (ROA)
1.01%Pretax return on assets
4.96%Return on equity (ROE)
3.64%Retained earnings to average equity (YTD only)
0.50%Net charge-offs to loans
153.23%Credit loss provision to net charge-offs
4.35%Efficiency ratio
56,202Assets per employee
5.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
26.55%Loss allowance to loans
1.71%Loss allowance to noncurrent loans
44.63%Noncurrent assets plus other real estate owned to assets
3.04%Noncurrent loans to loans
3.82%Net loans and leases to deposits
80.01%Net loans and leases to core deposits
107.16%Equity capital to assets
14.75%Core capital (leverage) ratio
14.22%Tier 1 risk-based capital ratio
20.96%Total risk-based capital ratio
Memoranda
$22Average assets
$520,350Average earning assets
$75,322Average equity
$488,796Average loans

List of branches

4 Illinois Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	11257	Albany Bank And Trust Company Nation	3424 West Lawrence Avenue, Chicago, IL 60625	June 27, 1953	Full Service Brick and Mortar
2	262691	West Lawrence Avenue Branch	4100 West Lawrence Avenue, Chicago, IL 60630	January 01, 1913	Full Service Brick and Mortar
3	241117	Albank North Branch	7515 Skokie Boulevard, Skokie, IL 60077	Febuary 24, 1998	Full Service Brick and Mortar
4	429628	Albank East Branch	4400 N Western Ave, Chicago, IL 60625	December 01, 2003	Full Service Brick and Mortar

Albany Bank and Trust Company National Association in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Albany Bank and Trust Company National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Albany Bank and Trust Company National Association in Chicago, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

Albany Bank and Trust Company National Association - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Albany Bank and Trust Company National Association in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches