First Bank and Trust Company of Illinois - Overview
General
FDIC Certificate #: 18641 Status: Active Federal Reserve ID: 646444 Bank Holding Company (Regulatory Top Holder): Northwest Bancorporation Of Illinois, Inc. (RSSDID: 1202986, Location: Palatine, IL) Date Established: December 20, 1962 WWW:http://www.firstbankillinois.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 12523 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: Commercial Lending Specialization Date of Deposit Insurance: December 20, 1962 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: 300 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: $337.8 mil Equity capital: $32.9 mil Deposits held in domestic offices: $304.5 mil Return on assets (ROA): -3.43% (-$11.6 mil) Quarterly return on assets: 0.02% ($0.1 mil) Return on Equity (ROE): -31.58% (-$10.4 mil) Quarterly return on equity: 0.17% ($0.1 mil) Net income: -$12.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: -3.43% (-$11,586.4 mil) Quarterly Pretax return on assets: 0.02% ($67.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
27Total employees (full-time equivalent)
$337,795Total assets
$86,869Cash and due from depository institutions
$86,594Interest-bearing balances
$3,142Securities
$0Federal funds sold & reverse repurchase agreements
$174,636Net loans & leases
$4,241Loan loss allowance
$0Trading account assets
$3,314Bank premises and fixed assets
$67,325Other real estate owned
$0Goodwill and other intangibles
$337,795Life insurance assets
$2,509All other assets
$304,934Total liabilities and capital
$304,482Total liabilities
$288,567Total deposits
$304,482Interest-bearing deposits
$99Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$452Subordinated debt
$32,861All other liabilities
$32,861Total equity capital
$32,861Total bank equity capital
$0Perpetual preferred stock
$1,085Common stock
$34,164Surplus
$-2,388Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$7,833Income earned, not collected on loans
$0Earning assets
$835Long-term assets (5+ years)
$264,372Average Assets, year-to-date
$0Average Assets, quarterly
$349,673Volatile liabilities
$340,579Insider loans
$251,282FHLB advances
$340,503Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$32,724Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$9,556Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$14,920Total interest income
$2,943Total interest expense
$11,977Net interest income
$4,315Provision for loan and lease losses
$221Total noninterest income
$7Fiduciary activities
$57Service charges on deposit accounts
$0Trading account gains & fees
$157Additional noninterest income
$19,867Total noninterest expense
$4,049Salaries and employee benefits
$496Premises and equipment expense
$15,322Additional noninterest expense
-$11,984Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$11,984Income before extraordinary items
$0Extraordinary gains - net
-$11,984Net income attributable to bank
$0Net charge-offs
-$11,984Cash dividends
$5,475Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.38%Yield on earning assets
1.06%Cost of funding earning assets
4.32%Net interest margin
0.08%Noninterest income to earning assets
7.16%Noninterest expense to earning assets
-3.43%Net operating income to assets
-3.43%Return on assets (ROA)
-3.43%Pretax return on assets
-31.58%Return on equity (ROE)
-31.58%Retained earnings to average equity (YTD only)
2.49%Net charge-offs to loans
78.81%Credit loss provision to net charge-offs
-1.40%Efficiency ratio
162,871Assets per employee
12.51%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.37%Loss allowance to noncurrent loans
54.14%Noncurrent assets plus other real estate owned to assets
22.25%Noncurrent loans to loans
4.38%Net loans and leases to deposits
57.36%Net loans and leases to core deposits
59.40%Equity capital to assets
9.73%Core capital (leverage) ratio
9.61%Tier 1 risk-based capital ratio
13.02%Total risk-based capital ratio
Memoranda
$14Average assets
$349,673Average earning assets
$37,946Average equity
$277,447Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
12523
First Bank And Trust Company Of Illi
300 East Northwest Highway, Palatine, IL 60067
December 20, 1962
Full Service Brick and Mortar
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