FDIC Certificate #: 57772 Status: Active Federal Reserve ID: 3339925 Bank Holding Company (Regulatory Top Holder): Edgebrook Bancorp, Inc. (RSSDID: 3341469, Location: Chicago, IL) Date Established: May 09, 2005 WWW:http://www.edgebrookbank.com 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 #: 424232 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: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: May 09, 2005 Last Structure Change Effective Date: September 06, 2011 Last Structure Change Process Date: September 06, 2011 Last Data Update: September 06, 2011 Data Source Date: April 05, 2012
Location
Address: 6000 West Touhy Avenue, Chicago, IL 60646 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: $92.6 mil Equity capital: $5.2 mil Deposits held in domestic offices: $87.2 mil Return on assets (ROA): 0.44% ($0.4 mil) Quarterly return on assets: 0.29% ($0.3 mil) Return on Equity (ROE): 8.46% ($0.4 mil) Quarterly return on equity: 5.21% ($0.3 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.44% ($407.4 mil) Quarterly Pretax return on assets: 0.29% ($268.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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)
$92,596Total assets
$10,386Cash and due from depository institutions
$9,509Interest-bearing balances
$5,601Securities
$0Federal funds sold & reverse repurchase agreements
$74,931Net loans & leases
$2,089Loan loss allowance
$0Trading account assets
$547Bank premises and fixed assets
$811Other real estate owned
$0Goodwill and other intangibles
$92,597Life insurance assets
$320All other assets
$87,409Total liabilities and capital
$87,197Total liabilities
$84,852Total deposits
$87,197Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$212Subordinated debt
$5,188All other liabilities
$5,188Total equity capital
$5,188Total bank equity capital
$0Perpetual preferred stock
$750Common stock
$11,294Surplus
$-6,856Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,610Income earned, not collected on loans
$0Earning assets
$171Long-term assets (5+ years)
$90,041Average Assets, year-to-date
$6,786Average Assets, quarterly
$91,913Volatile liabilities
$92,809Insider loans
$54,789FHLB advances
$93,590Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$5,119Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,311Restructured Loans and leases
$2,868Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,521Total interest income
$1,370Total interest expense
$3,151Net interest income
$400Provision for loan and lease losses
$665Total noninterest income
$0Fiduciary activities
$56Service charges on deposit accounts
$0Trading account gains & fees
$609Additional noninterest income
$3,010Total noninterest expense
$1,270Salaries and employee benefits
$252Premises and equipment expense
$1,488Additional noninterest expense
$406Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$406Income before extraordinary items
$0Extraordinary gains - net
$406Net income attributable to bank
$0Net charge-offs
$406Cash dividends
$373Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.07%Yield on earning assets
1.54%Cost of funding earning assets
3.54%Net interest margin
0.75%Noninterest income to earning assets
3.38%Noninterest expense to earning assets
0.44%Net operating income to assets
0.44%Return on assets (ROA)
0.44%Pretax return on assets
8.46%Return on equity (ROE)
8.46%Retained earnings to average equity (YTD only)
0.48%Net charge-offs to loans
107.24%Credit loss provision to net charge-offs
2.16%Efficiency ratio
78,878Assets per employee
5.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.71%Loss allowance to noncurrent loans
27.45%Noncurrent assets plus other real estate owned to assets
9.09%Noncurrent loans to loans
9.88%Net loans and leases to deposits
85.93%Net loans and leases to core deposits
90.64%Equity capital to assets
5.60%Core capital (leverage) ratio
5.47%Tier 1 risk-based capital ratio
9.34%Total risk-based capital ratio
Memoranda
$11Average assets
$91,913Average earning assets
$4,798Average equity
$89,115Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
424232
Edgebrook Bank
6000 West Touhy Avenue, Chicago, IL 60646
May 09, 2005
Full Service Brick and Mortar
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