AmericaUnited Bank and Trust Company USA in Schaumburg, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 20, 2011

  • AmericaUnited Bank and Trust Company USA in Schaumburg, Illinois (IL)
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AmericaUnited Bank and Trust Company USA routing number info

AmericaUnited Bank and Trust Company USA - Overview

  • General
  • FDIC Certificate #: 19418
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: American Midwest Bank (#21272)
    Federal Reserve ID: 397447
    Date Established: April 30, 1965
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 13101
    FDIC's unique #: 13221
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 30, 1965
    Last Structure Change Effective Date: November 20, 2011
    Last Structure Change Process Date: December 12, 2011
    Last Data Update: December 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 321 West Golf Road, Schaumburg, IL 60196
    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)
  • Financial Summary
  • Total assets: $282.6 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, 2010)

  • Dollar figures in thousands
  • 68Total employees (full-time equivalent)
  • $303,221Total assets
  • $32,851Cash and due from depository institutions
  • $29,988Interest-bearing balances
  • $28,921Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $219,711Net loans & leases
  • $8,080Loan loss allowance
  • $0Trading account assets
  • $7,237Bank premises and fixed assets
  • $4,609Other real estate owned
  • $1,775Goodwill and other intangibles
  • $27Life insurance assets
  • $8,117All other assets
  • $303,221Total liabilities and capital
  • $271,257Total liabilities
  • $269,870Total deposits
  • $234,591Interest-bearing deposits
  • $269,870Deposits held in domestic offices
  • 95.91%% insured (estimated)
  • $245Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,142All other liabilities
  • $31,964Total equity capital
  • $31,964Total bank equity capital
  • $31,964Perpetual preferred stock
  • $0Common stock
  • $821Surplus
  • $31,697Undivided profits
  • Memoranda
  • $-554Noncurrent loans and leases
  • $30,722Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $27,306Earning assets
  • $0Long-term assets (5+ years)
  • $1,052Average Assets, year-to-date
  • $278,620Average Assets, quarterly
  • $23,531Volatile liabilities
  • $319,117Insider loans
  • $315,173FHLB advances
  • $57,412Loans and leases held for sale
  • $35Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $30,722Total unused commitments
  • $617Restructured Loans and leases
  • $2,767Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $14,128Total interest income
  • $3,241Total interest expense
  • $10,887Net interest income
  • $4,929Provision for loan and lease losses
  • $803Total noninterest income
  • $11Fiduciary activities
  • $698Service charges on deposit accounts
  • $0Trading account gains & fees
  • $94Additional noninterest income
  • $8,716Total noninterest expense
  • $3,570Salaries and employee benefits
  • $1,167Premises and equipment expense
  • $3,979Additional noninterest expense
  • -$1,955Pre-tax net operating income
  • $614Securities gains (losses)
  • -$52Applicable income taxes
  • -$1,289Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,289Net income attributable to bank
  • $0Net charge-offs
  • -$1,289Cash dividends
  • $6,048Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • -0.59%Net operating income to assets
  • -0.40%Return on assets (ROA)
  • -0.42%Pretax return on assets
  • -3.92%Return on equity (ROE)
  • -5.13%Retained earnings to average equity (YTD only)
  • 2.55%Net charge-offs to loans
  • 81.50%Credit loss provision to net charge-offs
  • 0.49%Efficiency ratio
  • 70,599Assets per employee
  • 4.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -31.03%Loss allowance to loans
  • 3.55%Loss allowance to noncurrent loans
  • 29.59%Noncurrent assets plus other real estate owned to assets
  • 10.53%Noncurrent loans to loans
  • 11.99%Net loans and leases to deposits
  • 81.41%Net loans and leases to core deposits
  • 103.29%Equity capital to assets
  • 10.54%Core capital (leverage) ratio
  • 9.12%Tier 1 risk-based capital ratio
  • 13.35%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $319,117Average earning assets
  • $32,906Average equity
  • $293,850Average 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
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $99Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $99Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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