FDIC Certificate #: 58158 Status: Active Federal Reserve ID: 3377235 Bank Holding Company (Regulatory Top Holder): Commercial Bancshares Corporation (RSSDID: 4087894, Location: Northbrook, IL) Date Established: April 14, 2006 WWW:http://www.centrustbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 440820 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: April 14, 2006 Last Structure Change Effective Date: March 01, 2010 Last Structure Change Process Date: March 10, 2010 Last Data Update: March 10, 2010 Data Source Date: April 05, 2012
Location
Address: 385 Waukegan Road, Northbrook, IL 60062 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)
Financial Summary
Total assets: $95.5 mil Equity capital: $3.5 mil Deposits held in domestic offices: $89.7 mil Return on assets (ROA): -12.76% (-$12.1 mil) Quarterly return on assets: -9.98% (-$9.5 mil) Return on Equity (ROE): -201.36% (-$6.0 mil) Quarterly return on equity: -203.11% (-$6.1 mil) Net income: -$12.6 mil Quarterly Net income: -$2.4 mil Pretax return on assets: -12.76% (-$12,180.3 mil) Quarterly Pretax return on assets: -9.98% (-$9,526.6 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$95,457Total assets
$5,396Cash and due from depository institutions
$4,750Interest-bearing balances
$13,916Securities
$0Federal funds sold & reverse repurchase agreements
$58,041Net loans & leases
$5,248Loan loss allowance
$0Trading account assets
$6,390Bank premises and fixed assets
$10,379Other real estate owned
$0Goodwill and other intangibles
$95,457Life insurance assets
$1,335All other assets
$91,990Total liabilities and capital
$89,739Total liabilities
$83,508Total deposits
$89,739Interest-bearing deposits
$91Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$2,251Subordinated debt
$3,467All other liabilities
$3,467Total equity capital
$3,467Total bank equity capital
$0Perpetual preferred stock
$2,930Common stock
$27,170Surplus
$-26,633Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$15,036Income earned, not collected on loans
$0Earning assets
$209Long-term assets (5+ years)
$76,707Average Assets, year-to-date
$9,670Average Assets, quarterly
$98,568Volatile liabilities
$94,346Insider loans
$72,143FHLB advances
$96,045Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$3,452Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,305Restructured Loans and leases
$10Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,993Total interest income
$1,145Total interest expense
$1,848Net interest income
$7,510Provision for loan and lease losses
-$2Total noninterest income
$0Fiduciary activities
$89Service charges on deposit accounts
$0Trading account gains & fees
-$91Additional noninterest income
$6,915Total noninterest expense
$1,706Salaries and employee benefits
$442Premises and equipment expense
$4,767Additional noninterest expense
-$12,579Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$12,579Income before extraordinary items
$0Extraordinary gains - net
-$12,579Net income attributable to bank
$0Net charge-offs
-$12,579Cash dividends
$7,269Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.64%Yield on earning assets
1.39%Cost of funding earning assets
2.25%Net interest margin
-0.00%Noninterest income to earning assets
8.42%Noninterest expense to earning assets
-12.76%Net operating income to assets
-12.76%Return on assets (ROA)
-12.76%Pretax return on assets
-201.36%Return on equity (ROE)
-201.36%Retained earnings to average equity (YTD only)
10.23%Net charge-offs to loans
103.32%Credit loss provision to net charge-offs
-0.70%Efficiency ratio
374,594Assets per employee
5.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
8.29%Loss allowance to noncurrent loans
34.90%Noncurrent assets plus other real estate owned to assets
26.62%Noncurrent loans to loans
23.76%Net loans and leases to deposits
64.68%Net loans and leases to core deposits
70.65%Equity capital to assets
3.63%Core capital (leverage) ratio
3.59%Tier 1 risk-based capital ratio
4.78%Total risk-based capital ratio
Memoranda
$6Average assets
$98,568Average earning assets
$6,247Average equity
$82,137Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
440820
Centrust Bank, National Association
385 Waukegan Road, Northbrook, IL 60062
April 14, 2006
Full Service Brick and Mortar
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