American National Bank and Trust in Libertyville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 09, 1995

  • American National Bank and Trust in Libertyville, Illinois (IL)
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American National Bank and Trust - Overview

  • General
  • FDIC Certificate #: 11598
    Status: Inactive
    Closing history: Change NONGEOFLDOFF from Default
    Acquiring institution: American National Bank and Trust Company of Chicago (#3619)
    Federal Reserve ID: 664541
    Date Established: March 05, 1904
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 7411
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 09, 1995
    Last Structure Change Process Date: May 12, 1995
    Last Data Update: May 12, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1201 South Milwaukee Avenue, Libertyville, IL 60048
    County: Lake
    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: Lake County-Kenosha County, IL-WI (#29404)
  • History of Changes
  • Merger - Without Assistance
    Corrections
    Change NONGEOFLDOFF from Default
  • Financial Summary
  • Total assets: $52.8 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $30Total assets
  • $52,821Cash and due from depository institutions
  • $6,171Interest-bearing balances
  • $0Securities
  • $1,786Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $42,608Loan loss allowance
  • $435Trading account assets
  • $0Bank premises and fixed assets
  • $1,026Other real estate owned
  • $0Goodwill and other intangibles
  • $816Life insurance assets
  • $414All other assets
  • $0Total liabilities and capital
  • $52,821Total liabilities
  • $45,608Total deposits
  • $39,132Interest-bearing deposits
  • $20,424Deposits held in domestic offices
  • 39132.00%% insured (estimated)
  • $69Federal funds purchased & repurchase agreements
  • $6,200Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $276Total equity capital
  • $276Total bank equity capital
  • $7,213Perpetual preferred stock
  • $0Common stock
  • $1,500Surplus
  • $8,324Undivided profits
  • Memoranda
  • $-2,611Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $98Income earned, not collected on loans
  • $321Earning assets
  • $44,394Long-term assets (5+ years)
  • $756Average Assets, year-to-date
  • $45,397Average Assets, quarterly
  • $52,809Volatile liabilities
  • $11,790Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $11,916Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,799Total risk weighted assets
  • $43,748Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,540Total interest expense
  • $927Net interest income
  • $2,613Provision for loan and lease losses
  • $475Total noninterest income
  • $168Fiduciary activities
  • $0Service charges on deposit accounts
  • $149Trading account gains & fees
  • $0Additional noninterest income
  • $19Total noninterest expense
  • $2,665Salaries and employee benefits
  • $1,261Premises and equipment expense
  • $577Additional noninterest expense
  • $827Pre-tax net operating income
  • -$359Securities gains (losses)
  • $0Applicable income taxes
  • -$133Income before extraordinary items
  • -$226Extraordinary gains - net
  • $0Net income attributable to bank
  • -$226Net charge-offs
  • $332Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.06%Cost of funding earning assets
  • 2.37%Net interest margin
  • 6.69%Noninterest income to earning assets
  • 0.43%Noninterest expense to earning assets
  • 6.82%Net operating income to assets
  • -0.50%Return on assets (ROA)
  • -0.50%Pretax return on assets
  • -0.79%Return on equity (ROE)
  • -3.07%Retained earnings to average equity (YTD only)
  • -3.07%Net charge-offs to loans
  • 0.90%Credit loss provision to net charge-offs
  • 143.07%Efficiency ratio
  • 92,197Assets per employee
  • 1.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 443.88%Noncurrent assets plus other real estate owned to assets
  • 0.19%Noncurrent loans to loans
  • 0.23%Net loans and leases to deposits
  • 108.88%Net loans and leases to core deposits
  • 127.03%Equity capital to assets
  • 13.66%Core capital (leverage) ratio
  • 12.74%Tier 1 risk-based capital ratio
  • 15.54%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $45,397Average earning assets
  • $7,359Average equity
  • $39,071Average loans

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