FDIC Certificate #: 55130 Status: Active Federal Reserve ID: 2140348 Bank Holding Company (Regulatory Top Holder): Allied First Bancorp, Inc. (RSSDID: 3051580, Location: Oswego, IL) Date Established: January 03, 1994 WWW:http://www.alliedfirst.com Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 119525 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: September 01, 2001 Last Structure Change Effective Date: June 25, 2007 Last Structure Change Process Date: September 04, 2007 Last Data Update: September 04, 2007 Data Source Date: April 05, 2012
Location
Address: 3201 Orchard Rd, Oswego, IL 60543 County: Kendall 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
Change in Location
Financial Summary
Total assets: $136.1 mil Equity capital: $8.4 mil Deposits held in domestic offices: $118.0 mil Return on assets (ROA): -2.89% (-$3.9 mil) Quarterly return on assets: 1.42% ($1.9 mil) Return on Equity (ROE): -45.44% (-$3.6 mil) Quarterly return on equity: 24.47% ($2.0 mil) Net income: -$4.3 mil Quarterly Net income: $0.5 mil Pretax return on assets: -2.95% (-$4,016.3 mil) Quarterly Pretax return on assets: -1.37% (-$1,865.2 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
27Total employees (full-time equivalent)
$136,147Total assets
$3,608Cash and due from depository institutions
$3,608Interest-bearing balances
$15,391Securities
$0Federal funds sold & reverse repurchase agreements
$102,748Net loans & leases
$2,594Loan loss allowance
$0Trading account assets
$9,593Bank premises and fixed assets
$151Other real estate owned
$0Goodwill and other intangibles
$136,147Life insurance assets
$4,656All other assets
$127,701Total liabilities and capital
$118,013Total liabilities
$103,176Total deposits
$118,013Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$8,500Trading liabilities
$0Other borrowed funds
$1,188Subordinated debt
$8,446All other liabilities
$8,446Total equity capital
$8,446Total bank equity capital
$0Perpetual preferred stock
$608Common stock
$9,870Surplus
$-2,032Undivided profits
Memoranda
$0Noncurrent loans and leases
$3,285Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,639Income earned, not collected on loans
$0Earning assets
$464Long-term assets (5+ years)
$121,747Average Assets, year-to-date
$57,268Average Assets, quarterly
$149,452Volatile liabilities
$138,553Insider loans
$93,782FHLB advances
$137,313Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$8,287Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$17,317Restructured Loans and leases
$40Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$6,674Total interest income
$2,825Total interest expense
$3,849Net interest income
$3,553Provision for loan and lease losses
$593Total noninterest income
$0Fiduciary activities
$229Service charges on deposit accounts
$0Trading account gains & fees
$364Additional noninterest income
$5,587Total noninterest expense
$1,820Salaries and employee benefits
$655Premises and equipment expense
$3,112Additional noninterest expense
-$4,698Pre-tax net operating income
$295Securities gains (losses)
-$83Applicable income taxes
-$4,320Income before extraordinary items
$0Extraordinary gains - net
-$4,320Net income attributable to bank
$0Net charge-offs
-$4,320Cash dividends
$3,262Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.12%Yield on earning assets
2.17%Cost of funding earning assets
2.95%Net interest margin
0.45%Noninterest income to earning assets
4.29%Noninterest expense to earning assets
-3.08%Net operating income to assets
-2.89%Return on assets (ROA)
-2.95%Pretax return on assets
-45.44%Return on equity (ROE)
-45.44%Retained earnings to average equity (YTD only)
2.90%Net charge-offs to loans
108.92%Credit loss provision to net charge-offs
-0.35%Efficiency ratio
125,777Assets per employee
5.04%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.46%Loss allowance to noncurrent loans
71.28%Noncurrent assets plus other real estate owned to assets
2.78%Noncurrent loans to loans
3.45%Net loans and leases to deposits
87.06%Net loans and leases to core deposits
103.43%Equity capital to assets
6.20%Core capital (leverage) ratio
6.04%Tier 1 risk-based capital ratio
8.84%Total risk-based capital ratio
Memoranda
$10Average assets
$149,452Average earning assets
$9,508Average equity
$130,346Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
119525
Allied First Bank,sb
3201 Orchard Rd, Oswego, IL 60543
January 03, 1994
Full Service Brick and Mortar
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Allied First Bank,sb.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: