Community Bank of Lemont in Lemont, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 30, 2009

  • Community Bank of Lemont in Lemont, Illinois (IL)
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Community Bank of Lemont - Overview

  • General
  • FDIC Certificate #: 35291
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: U.S. Bank National Association (#6548)
    Federal Reserve ID: 2883047
    Date Established: Febuary 23, 2001
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 77681
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: Febuary 23, 2001
    Last Structure Change Effective Date: October 30, 2009
    Last Structure Change Process Date: November 03, 2009
    Last Data Update: November 03, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 1229 State Street, Lemont, IL 60439
    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
  • Absorption - Assisted
    Corrections
  • Financial Summary
  • Total assets: $81.8 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, 2008)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $93,550Total assets
  • $795Cash and due from depository institutions
  • $0Interest-bearing balances
  • $7,639Securities
  • $263Federal funds sold & reverse repurchase agreements
  • $79,230Net loans & leases
  • $2,739Loan loss allowance
  • $0Trading account assets
  • $3,736Bank premises and fixed assets
  • $277Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,610All other assets
  • $93,550Total liabilities and capital
  • $88,310Total liabilities
  • $79,808Total deposits
  • $75,747Interest-bearing deposits
  • $79,808Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $586Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $4,000Other borrowed funds
  • $3,000Subordinated debt
  • $916All other liabilities
  • $5,240Total equity capital
  • $5,240Total bank equity capital
  • $5,240Perpetual preferred stock
  • $0Common stock
  • $1,062Surplus
  • $4,234Undivided profits
  • Memoranda
  • $-56Noncurrent loans and leases
  • $8,454Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $33,949Earning assets
  • $0Long-term assets (5+ years)
  • $318Average Assets, year-to-date
  • $87,132Average Assets, quarterly
  • $16,859Volatile liabilities
  • $99,211Insider loans
  • $94,698FHLB advances
  • $34,424Loans and leases held for sale
  • $30Unused loan commitments
  • $4,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,454Total unused commitments
  • $0Restructured Loans and leases
  • $4,092Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $5,521Total interest income
  • $3,219Total interest expense
  • $2,302Net interest income
  • $2,397Provision for loan and lease losses
  • $159Total noninterest income
  • $0Fiduciary activities
  • $149Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10Additional noninterest income
  • $3,123Total noninterest expense
  • $1,527Salaries and employee benefits
  • $324Premises and equipment expense
  • $1,272Additional noninterest expense
  • -$3,059Pre-tax net operating income
  • $14Securities gains (losses)
  • -$1,059Applicable income taxes
  • -$1,986Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,986Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $658Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.99%Yield on earning assets
  • 3.49%Cost of funding earning assets
  • 2.50%Net interest margin
  • 0.17%Noninterest income to earning assets
  • 3.39%Noninterest expense to earning assets
  • -2.01%Net operating income to assets
  • -2.00%Return on assets (ROA)
  • -3.07%Pretax return on assets
  • -31.06%Return on equity (ROE)
  • -31.06%Retained earnings to average equity (YTD only)
  • 0.77%Net charge-offs to loans
  • 364.29%Credit loss provision to net charge-offs
  • -1.01%Efficiency ratio
  • 126,900Assets per employee
  • 4.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.34%Loss allowance to noncurrent loans
  • 8.07%Noncurrent assets plus other real estate owned to assets
  • 36.59%Noncurrent loans to loans
  • 41.42%Net loans and leases to deposits
  • 99.28%Net loans and leases to core deposits
  • 172.35%Equity capital to assets
  • 5.60%Core capital (leverage) ratio
  • 5.46%Tier 1 risk-based capital ratio
  • 6.08%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $99,211Average earning assets
  • $6,393Average equity
  • $92,158Average loans

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