First National Bank-Employee Owned in city_name, state_name

First National Bank-Employee Owned in Antioch, Illinois (IL)
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First National Bank-Employee Owned - Overview

General
FDIC Certificate #: 3597
Status: Inactive
Closing history: Absorption - Without Assistance
Acquiring institution: AmericaUnited Bank and Trust Company USA (#19418)
Federal Reserve ID: 658139
Date Established: September 01, 1926
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 2 (Interstate: No)
FDIC's unique #: 2287
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 01, 2007
Last Structure Change Process Date: November 19, 2007
Last Data Update: November 19, 2007
Data Source Date: April 05, 2012
Location
Address: 485 Lake Street, Antioch, IL 60002
County: Lake
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: Lake County-Kenosha County, IL-WI (#29404)
Financial Summary
Total assets: $141.3 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, 2006)

Dollar figures in thousands
51Total employees (full-time equivalent)
$143,092Total assets
$2,370Cash and due from depository institutions
$0Interest-bearing balances
$31,282Securities
$4,915Federal funds sold & reverse repurchase agreements
$100,947Net loans & leases
$821Loan loss allowance
$0Trading account assets
$1,951Bank premises and fixed assets
$0Other real estate owned
$109Goodwill and other intangibles
$0Life insurance assets
$1,518All other assets
$143,092Total liabilities and capital
$132,916Total liabilities
$130,895Total deposits
$115,747Interest-bearing deposits
$130,895Deposits held in domestic offices
0.00%% insured (estimated)
$367Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,654All other liabilities
$10,176Total equity capital
$10,176Total bank equity capital
$10,176Perpetual preferred stock
$0Common stock
$537Surplus
$1,897Undivided profits
Memoranda
$7,742Noncurrent loans and leases
$19,337Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$52Earning assets
$0Long-term assets (5+ years)
$552Average Assets, year-to-date
$137,144Average Assets, quarterly
$31,570Volatile liabilities
$146,225Insider loans
$144,917FHLB advances
$21,053Loans and leases held for sale
$3,432Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$19,337Total unused commitments
$0Restructured Loans and leases
$821Derivatives

Income and Expense (December 31, 2006)

Dollar figures in thousands
$8,265Total interest income
$3,926Total interest expense
$4,339Net interest income
$0Provision for loan and lease losses
$577Total noninterest income
$0Fiduciary activities
$343Service charges on deposit accounts
$0Trading account gains & fees
$234Additional noninterest income
$4,194Total noninterest expense
$2,494Salaries and employee benefits
$465Premises and equipment expense
$1,235Additional noninterest expense
$722Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$722Income before extraordinary items
$0Extraordinary gains - net
$722Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$83Sale, conversion, retirement of capital stock, net
$610Net operating income

Performance and Condition Ratios (December 31, 2006)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.92%Yield on earning assets
2.81%Cost of funding earning assets
3.11%Net interest margin
0.41%Noninterest income to earning assets
3.00%Noninterest expense to earning assets
0.49%Net operating income to assets
0.49%Return on assets (ROA)
0.49%Pretax return on assets
7.23%Return on equity (ROE)
1.12%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
8.70%Efficiency ratio
85,313Assets per employee
2.81%Cash dividends to net income (YTD only)
Condition Ratios (%)
84.49%Loss allowance to loans
0.81%Loss allowance to noncurrent loans
1578.85%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.05%Net loans and leases to deposits
77.12%Net loans and leases to core deposits
91.60%Equity capital to assets
7.11%Core capital (leverage) ratio
7.50%Tier 1 risk-based capital ratio
11.43%Total risk-based capital ratio
Memoranda
$12Average assets
$146,225Average earning assets
$9,993Average equity
$139,648Average loans

First National Bank-Employee Owned in Antioch, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank-Employee Owned - Overview

Assets and Liabilities (December 31, 2006)

Income and Expense (December 31, 2006)

Performance and Condition Ratios (December 31, 2006)

Comment about this bank, ask questions, or add new information about it:

First National Bank-Employee Owned in Antioch, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank-Employee Owned - Overview

Assets and Liabilities (December 31, 2006)

Income and Expense (December 31, 2006)

Performance and Condition Ratios (December 31, 2006)

Comment about this bank, ask questions, or add new information about it:

First National Bank-Employee Owned in Antioch, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches