FDIC Certificate #: 21971 Status: Active Federal Reserve ID: 980344 Bank Holding Company (Regulatory Top Holder): Bancpal, Inc. (RSSDID: 1491696, Location: Palatine, IL) Date Established: April 08, 1975 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 #: 15232 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: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: April 08, 1975 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: One East Northwest Highway, Palatine, IL 60067 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $58.3 mil Equity capital: $4.0 mil Deposits held in domestic offices: $54.3 mil Return on assets (ROA): -1.15% (-$0.7 mil) Quarterly return on assets: -0.02% (-$0.0 mil) Return on Equity (ROE): -16.48% (-$0.7 mil) Quarterly return on equity: -0.29% (-$0.0 mil) Net income: -$0.7 mil Quarterly Net income: -$0.0 mil Pretax return on assets: -1.15% (-$670.8 mil) Quarterly Pretax return on assets: -0.02% (-$11.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
17Total employees (full-time equivalent)
$58,334Total assets
$21,055Cash and due from depository institutions
$20,442Interest-bearing balances
$16,582Securities
$99Federal funds sold & reverse repurchase agreements
$18,088Net loans & leases
$469Loan loss allowance
$0Trading account assets
$180Bank premises and fixed assets
$803Other real estate owned
$0Goodwill and other intangibles
$58,334Life insurance assets
$1,527All other assets
$54,314Total liabilities and capital
$54,292Total liabilities
$45,735Total deposits
$54,292Interest-bearing deposits
$96Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$22Subordinated debt
$4,020All other liabilities
$4,020Total equity capital
$4,020Total bank equity capital
$0Perpetual preferred stock
$859Common stock
$3,166Surplus
$-5Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,752Income earned, not collected on loans
$0Earning assets
$113Long-term assets (5+ years)
$55,211Average Assets, year-to-date
$11,153Average Assets, quarterly
$59,452Volatile liabilities
$58,169Insider loans
$20,636FHLB advances
$57,377Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,119Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,487Restructured Loans and leases
$109Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,454Total interest income
$290Total interest expense
$1,164Net interest income
$221Provision for loan and lease losses
$229Total noninterest income
$0Fiduciary activities
$104Service charges on deposit accounts
$0Trading account gains & fees
$125Additional noninterest income
$2,051Total noninterest expense
$1,122Salaries and employee benefits
$401Premises and equipment expense
$528Additional noninterest expense
-$879Pre-tax net operating income
$195Securities gains (losses)
$0Applicable income taxes
-$684Income before extraordinary items
$0Extraordinary gains - net
-$684Net income attributable to bank
$0Net charge-offs
-$684Cash dividends
$216Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.61%Yield on earning assets
0.52%Cost of funding earning assets
2.09%Net interest margin
0.41%Noninterest income to earning assets
3.68%Noninterest expense to earning assets
-1.48%Net operating income to assets
-1.15%Return on assets (ROA)
-1.15%Pretax return on assets
-16.48%Return on equity (ROE)
-16.48%Retained earnings to average equity (YTD only)
1.11%Net charge-offs to loans
102.31%Credit loss provision to net charge-offs
-3.05%Efficiency ratio
147,236Assets per employee
3.43%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.53%Loss allowance to noncurrent loans
26.77%Noncurrent assets plus other real estate owned to assets
4.38%Noncurrent loans to loans
9.44%Net loans and leases to deposits
33.32%Net loans and leases to core deposits
34.60%Equity capital to assets
6.89%Core capital (leverage) ratio
7.18%Tier 1 risk-based capital ratio
19.96%Total risk-based capital ratio
Memoranda
$21Average assets
$59,452Average earning assets
$4,151Average equity
$55,695Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15232
Bank Of Palatine
One East Northwest Highway, Palatine, IL 60067
April 08, 1975
Full Service Brick and Mortar
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