FDIC Certificate #: 57948 Status: Inactive Closing history: Absorption - Assisted Acquiring institution:Northbrook Bank and Trust Company (#57082) Federal Reserve ID: 3348057 Date Established: November 01, 2005 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Interstate: No) FDIC's unique #: 432368 Numeric code: 13 Regulator: FED 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: November 01, 2005 Last Structure Change Effective Date: Febuary 04, 2011 Last Structure Change Process Date: Febuary 08, 2011 Last Data Update: Febuary 08, 2011 Data Source Date: April 05, 2012
Location
Address: 7555 North Western Avenue, Chicago, IL 60645 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: $51.1 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2010)
Dollar figures in thousands
13Total employees (full-time equivalent)
$51,083Total assets
$5,462Cash and due from depository institutions
$99Interest-bearing balances
$602Securities
$545Federal funds sold & reverse repurchase agreements
$31,781Net loans & leases
$2,100Loan loss allowance
$0Trading account assets
$4,830Bank premises and fixed assets
$7,156Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$707All other assets
$51,083Total liabilities and capital
$49,812Total liabilities
$49,504Total deposits
$46,139Interest-bearing deposits
$49,504Deposits held in domestic offices
97.97%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$308All other liabilities
$1,271Total equity capital
$1,271Total bank equity capital
$1,271Perpetual preferred stock
$0Common stock
$1,110Surplus
$10,161Undivided profits
Memoranda
$-10,000Noncurrent loans and leases
$2,606Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,190Earning assets
$0Long-term assets (5+ years)
$128Average Assets, year-to-date
$33,027Average Assets, quarterly
$1,047Volatile liabilities
$56,903Insider loans
$53,992FHLB advances
$22,722Loans and leases held for sale
$2,571Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,606Total unused commitments
$3,922Restructured Loans and leases
$585Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$2,244Total interest income
$766Total interest expense
$1,478Net interest income
$124Provision for loan and lease losses
$54Total noninterest income
$0Fiduciary activities
$40Service charges on deposit accounts
$0Trading account gains & fees
$14Additional noninterest income
$3,280Total noninterest expense
$1,034Salaries and employee benefits
$451Premises and equipment expense
$1,795Additional noninterest expense
-$1,872Pre-tax net operating income
$134Securities gains (losses)
$0Applicable income taxes
-$1,738Income before extraordinary items
$0Extraordinary gains - net
-$1,738Net income attributable to bank
$0Net charge-offs
-$1,738Cash dividends
$574Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.70%Yield on earning assets
1.94%Cost of funding earning assets
3.75%Net interest margin
0.14%Noninterest income to earning assets
8.32%Noninterest expense to earning assets
-3.29%Net operating income to assets
-3.05%Return on assets (ROA)
-3.05%Pretax return on assets
-79.03%Return on equity (ROE)
-79.03%Retained earnings to average equity (YTD only)
1.52%Net charge-offs to loans
21.60%Credit loss provision to net charge-offs
-3.05%Efficiency ratio
214,099Assets per employee
3.93%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.20%Loss allowance to noncurrent loans
95.89%Noncurrent assets plus other real estate owned to assets
18.30%Noncurrent loans to loans
6.46%Net loans and leases to deposits
64.20%Net loans and leases to core deposits
118.67%Equity capital to assets
2.49%Core capital (leverage) ratio
2.24%Tier 1 risk-based capital ratio
2.77%Total risk-based capital ratio
Memoranda
$4Average assets
$56,903Average earning assets
$2,199Average equity
$39,402Average loans
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