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

This bank is inactive as of Febuary 21, 1994

  • American National Bank and Trust Company of Waukegan, Illinois in Waukegan, Illinois (IL)
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American National Bank and Trust Company of Waukegan, Illinois - Overview

  • General
  • FDIC Certificate #: 17871
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Grand National Bank (#20715)
    Federal Reserve ID: 270447
    Date Established: June 02, 1958
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    OTS Docket #: 11525
    FDIC's unique #: 11810
    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: June 02, 1958
    Last Structure Change Effective Date: Febuary 21, 1994
    Last Structure Change Process Date: March 02, 1994
    Last Data Update: March 02, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 2323 West Grand Avenue, Waukegan, IL 60085
    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)
  • Financial Summary
  • Total assets: $189.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $83Total assets
  • $189,911Cash and due from depository institutions
  • $7,755Interest-bearing balances
  • $2,001Securities
  • $87,124Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $86,747Loan loss allowance
  • $2,199Trading account assets
  • $0Bank premises and fixed assets
  • $3,454Other real estate owned
  • $1,882Goodwill and other intangibles
  • $2,949Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $189,911Total liabilities
  • $172,222Total deposits
  • $140,751Interest-bearing deposits
  • $122,243Deposits held in domestic offices
  • 140751.00%% insured (estimated)
  • $94Federal funds purchased & repurchase agreements
  • $30,282Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,189Total equity capital
  • $1,189Total bank equity capital
  • $17,689Perpetual preferred stock
  • $0Common stock
  • $2,000Surplus
  • $2,000Undivided profits
  • Memoranda
  • $13,689Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,678Income earned, not collected on loans
  • $426Earning assets
  • $175,872Long-term assets (5+ years)
  • $33,984Average Assets, year-to-date
  • $186,537Average Assets, quarterly
  • $188,119Volatile liabilities
  • $38,768Insider loans
  • $4,665FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $15,244Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $16,998Total risk weighted assets
  • $123,988Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $12,547Total interest expense
  • $6,279Net interest income
  • $6,268Provision for loan and lease losses
  • $901Total noninterest income
  • $1,762Fiduciary activities
  • $320Service charges on deposit accounts
  • $819Trading account gains & fees
  • $0Additional noninterest income
  • $623Total noninterest expense
  • $6,537Salaries and employee benefits
  • $2,884Premises and equipment expense
  • $673Additional noninterest expense
  • $2,980Pre-tax net operating income
  • $592Securities gains (losses)
  • $301Applicable income taxes
  • -$153Income before extraordinary items
  • $1,046Extraordinary gains - net
  • $117Net income attributable to bank
  • $1,163Net charge-offs
  • $249Cash dividends
  • $1,250Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.37%Cost of funding earning assets
  • 3.69%Net interest margin
  • 3.68%Noninterest income to earning assets
  • 1.03%Noninterest expense to earning assets
  • 3.84%Net operating income to assets
  • 0.40%Return on assets (ROA)
  • 0.62%Pretax return on assets
  • 0.54%Return on equity (ROE)
  • 6.88%Retained earnings to average equity (YTD only)
  • -0.51%Net charge-offs to loans
  • 0.28%Credit loss provision to net charge-offs
  • 361.85%Efficiency ratio
  • 81,407Assets per employee
  • 2.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 107.48%Loss allowance to loans
  • 2.47%Loss allowance to noncurrent loans
  • 131.05%Noncurrent assets plus other real estate owned to assets
  • 1.87%Noncurrent loans to loans
  • 1.89%Net loans and leases to deposits
  • 61.63%Net loans and leases to core deposits
  • 65.59%Equity capital to assets
  • 9.31%Core capital (leverage) ratio
  • 8.85%Tier 1 risk-based capital ratio
  • 13.71%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $186,537Average earning assets
  • $16,895Average equity
  • $170,261Average loans

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