FDIC Certificate #: 57359 Status: Active Federal Reserve ID: 3116519 Bank Holding Company (Regulatory Top Holder): Orchid Financial Bancorp, Inc. (RSSDID: 3116498, Location: South Elgin, IL) Date Established: October 17, 2002 WWW:http://www.americaneaglebank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 362437 Numeric code: 21 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Consumer Lending Specialization Date of Deposit Insurance: October 17, 2002 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: 556 Randall Road, South Elgin, IL 60177 County: Kane 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: $158.2 mil Equity capital: $13.5 mil Deposits held in domestic offices: $131.8 mil Return on assets (ROA): 1.02% ($1.6 mil) Quarterly return on assets: 0.88% ($1.4 mil) Return on Equity (ROE): 11.93% ($1.6 mil) Quarterly return on equity: 10.26% ($1.3 mil) Net income: $1.6 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.71% ($2,705.6 mil) Quarterly Pretax return on assets: 1.46% ($2,310.0 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
23Total employees (full-time equivalent)
$158,222Total assets
$11,533Cash and due from depository institutions
$8,249Interest-bearing balances
$8,271Securities
$12,512Federal funds sold & reverse repurchase agreements
$116,322Net loans & leases
$1,406Loan loss allowance
$0Trading account assets
$5,560Bank premises and fixed assets
$821Other real estate owned
$808Goodwill and other intangibles
$158,222Life insurance assets
$2,395All other assets
$144,753Total liabilities and capital
$131,805Total liabilities
$126,793Total deposits
$131,805Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$8,900Trading liabilities
$0Other borrowed funds
$4,048Subordinated debt
$13,469All other liabilities
$13,469Total equity capital
$13,469Total bank equity capital
$0Perpetual preferred stock
$10Common stock
$10,770Surplus
$2,689Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,003Income earned, not collected on loans
$0Earning assets
$601Long-term assets (5+ years)
$145,354Average Assets, year-to-date
$19,638Average Assets, quarterly
$157,121Volatile liabilities
$157,894Insider loans
$124,240FHLB advances
$157,895Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$13,386Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$4,186Restructured Loans and leases
$3,260Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,231Total interest income
$2,396Total interest expense
$5,835Net interest income
$420Provision for loan and lease losses
$1,089Total noninterest income
$0Fiduciary activities
$17Service charges on deposit accounts
$0Trading account gains & fees
$1,072Additional noninterest income
$3,811Total noninterest expense
$1,975Salaries and employee benefits
$434Premises and equipment expense
$1,402Additional noninterest expense
$2,693Pre-tax net operating income
$0Securities gains (losses)
$1,088Applicable income taxes
$1,605Income before extraordinary items
$0Extraordinary gains - net
$1,605Net income attributable to bank
$0Net charge-offs
$1,605Cash dividends
$286Sale, conversion, retirement of capital stock, net
$1,552Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.72%Yield on earning assets
1.67%Cost of funding earning assets
4.06%Net interest margin
0.76%Noninterest income to earning assets
2.65%Noninterest expense to earning assets
1.02%Net operating income to assets
1.02%Return on assets (ROA)
1.71%Pretax return on assets
11.93%Return on equity (ROE)
0.39%Retained earnings to average equity (YTD only)
0.25%Net charge-offs to loans
146.85%Credit loss provision to net charge-offs
10.88%Efficiency ratio
55,040Assets per employee
6.88%Cash dividends to net income (YTD only)
Condition Ratios (%)
96.70%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
70.19%Noncurrent assets plus other real estate owned to assets
1.78%Noncurrent loans to loans
1.70%Net loans and leases to deposits
88.25%Net loans and leases to core deposits
107.34%Equity capital to assets
8.51%Core capital (leverage) ratio
8.48%Tier 1 risk-based capital ratio
10.77%Total risk-based capital ratio
Memoranda
$12Average assets
$157,121Average earning assets
$13,453Average equity
$143,824Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
362437
American Eagle Bank
556 Randall Road, South Elgin, IL 60177
October 17, 2002
Full Service Brick and Mortar
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