FDIC Certificate #: 58514 Status: Active Federal Reserve ID: 3559714 Bank Holding Company (Regulatory Top Holder): Orchid Financial Bancorp, Inc. (RSSDID: 3116498, Location: South Elgin, IL) Date Established: April 16, 2007 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 #: 455080 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: April 16, 2007 Last Structure Change Effective Date: July 02, 2009 Last Structure Change Process Date: July 02, 2009 Last Data Update: July 02, 2009 Data Source Date: April 05, 2012
Location
Address: 2255 N. Western Avenue, Chicago, IL 60661 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 Location
Financial Summary
Total assets: $68.0 mil Equity capital: $7.7 mil Deposits held in domestic offices: $59.5 mil Return on assets (ROA): -0.16% (-$0.1 mil) Quarterly return on assets: -0.31% (-$0.2 mil) Return on Equity (ROE): -1.49% (-$0.1 mil) Quarterly return on equity: -2.80% (-$0.2 mil) Net income: -$0.1 mil Quarterly Net income: -$0.1 mil Pretax return on assets: -0.28% (-$190.3 mil) Quarterly Pretax return on assets: -0.50% (-$339.9 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$67,975Total assets
$4,267Cash and due from depository institutions
$3,167Interest-bearing balances
$0Securities
$3,700Federal funds sold & reverse repurchase agreements
$50,878Net loans & leases
$764Loan loss allowance
$0Trading account assets
$5,023Bank premises and fixed assets
$1,111Other real estate owned
$0Goodwill and other intangibles
$67,975Life insurance assets
$2,996All other assets
$60,298Total liabilities and capital
$59,513Total liabilities
$58,301Total deposits
$59,513Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$785Subordinated debt
$7,677All other liabilities
$7,677Total equity capital
$7,677Total bank equity capital
$0Perpetual preferred stock
$10Common stock
$8,890Surplus
$-1,223Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,571Income earned, not collected on loans
$0Earning assets
$315Long-term assets (5+ years)
$57,745Average Assets, year-to-date
$8,243Average Assets, quarterly
$69,156Volatile liabilities
$69,164Insider loans
$56,998FHLB advances
$69,249Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,914Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,484Restructured Loans and leases
$1,121Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,288Total interest income
$1,494Total interest expense
$1,794Net interest income
$328Provision for loan and lease losses
$21Total noninterest income
$0Fiduciary activities
$12Service charges on deposit accounts
$0Trading account gains & fees
$9Additional noninterest income
$1,684Total noninterest expense
$905Salaries and employee benefits
$191Premises and equipment expense
$588Additional noninterest expense
-$197Pre-tax net operating income
$0Securities gains (losses)
-$85Applicable income taxes
-$112Income before extraordinary items
$0Extraordinary gains - net
-$112Net income attributable to bank
$0Net charge-offs
-$112Cash dividends
$849Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.53%Yield on earning assets
2.51%Cost of funding earning assets
3.02%Net interest margin
0.04%Noninterest income to earning assets
2.83%Noninterest expense to earning assets
-0.16%Net operating income to assets
-0.16%Return on assets (ROA)
-0.28%Pretax return on assets
-1.49%Return on equity (ROE)
-1.49%Retained earnings to average equity (YTD only)
1.57%Net charge-offs to loans
38.63%Credit loss provision to net charge-offs
0.15%Efficiency ratio
92,782Assets per employee
9.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
48.63%Noncurrent assets plus other real estate owned to assets
3.95%Noncurrent loans to loans
3.04%Net loans and leases to deposits
85.49%Net loans and leases to core deposits
114.96%Equity capital to assets
11.29%Core capital (leverage) ratio
9.98%Tier 1 risk-based capital ratio
12.13%Total risk-based capital ratio
Memoranda
$13Average assets
$69,156Average earning assets
$7,524Average equity
$59,461Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
455080
American Eagle Bank Of Chicago
2255 N. Western Avenue, Chicago, IL 60661
April 16, 2007
Full Service Brick and Mortar
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