FDIC Certificate #: 34782 Status: Active Federal Reserve ID: 2746713 Date Established: November 18, 1998 WWW:http://www.allstatebank.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 15100 FDIC's unique #: 61556 Numeric code: 33 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: November 18, 1998 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 3100 Sanders Road, Suite N4a, Northbrook, IL 60062 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
Change in Primary Regulatory Agency
Financial Summary
Total assets: $114.7 mil Equity capital: $97.5 mil Deposits held in domestic offices: $0.0 mil Return on assets (ROA): -2.28% (-$2.6 mil) Quarterly return on assets: 9.36% ($10.8 mil) Return on Equity (ROE): -20.63% (-$20.0 mil) Quarterly return on equity: 50.68% ($49.2 mil) Net income: -$20.9 mil Quarterly Net income: $12.4 mil Pretax return on assets: -3.43% (-$3,933.5 mil) Quarterly Pretax return on assets: 9.66% ($11,078.0 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
32Total employees (full-time equivalent)
$114,679Total assets
$93,714Cash and due from depository institutions
$89,017Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$0Loan loss allowance
$0Trading account assets
$33Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$114,679Life insurance assets
$20,932All other assets
$17,228Total liabilities and capital
$0Total liabilities
$0Total deposits
$0Interest-bearing deposits
$0Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$14,263Trading liabilities
$0Other borrowed funds
$2,965Subordinated debt
$97,451All other liabilities
$97,451Total equity capital
$97,451Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$144,692Surplus
$-47,242Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$43Long-term assets (5+ years)
$89,017Average Assets, year-to-date
$0Average Assets, quarterly
$916,919Volatile liabilities
$528,424Insider loans
$12,864FHLB advances
$114,679Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$97,451Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$35,337Total interest income
$12,095Total interest expense
$23,242Net interest income
$4,126Provision for loan and lease losses
-$11,986Total noninterest income
$0Fiduciary activities
$49Service charges on deposit accounts
-$13,347Trading account gains & fees
$1,312Additional noninterest income
$10,233Total noninterest expense
$3,243Salaries and employee benefits
$677Premises and equipment expense
$6,313Additional noninterest expense
-$3,103Pre-tax net operating income
-$27,711Securities gains (losses)
-$10,553Applicable income taxes
-$20,261Income before extraordinary items
-$615Extraordinary gains - net
-$20,876Net income attributable to bank
$0Net charge-offs
-$20,876Cash dividends
$9,050Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.00%Yield on earning assets
1.37%Cost of funding earning assets
2.63%Net interest margin
-1.36%Noninterest income to earning assets
1.16%Noninterest expense to earning assets
-0.22%Net operating income to assets
-2.28%Return on assets (ROA)
-3.43%Pretax return on assets
-20.63%Return on equity (ROE)
-20.63%Retained earnings to average equity (YTD only)
5.41%Net charge-offs to loans
45.59%Credit loss provision to net charge-offs
0.11%Efficiency ratio
90,912Assets per employee
3.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.00%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
0.00%Net loans and leases to core deposits
0.00%Equity capital to assets
84.98%Core capital (leverage) ratio
84.98%Tier 1 risk-based capital ratio
757.55%Total risk-based capital ratio
Memoranda
$758Average assets
$916,919Average earning assets
$101,173Average equity
$884,295Average loans
Total Fiduciary and Related Assets (December 31, 2003)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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