FDIC Certificate #: 22536 Status: Active Federal Reserve ID: 25647 Bank Holding Company (Regulatory Top Holder): Community Holdings Corporation (RSSDID: 2479404, Location: Palos Hills, IL) Date Established: October 21, 1977 WWW:http://www.firstsecurebank.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 #: 15718 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: October 21, 1977 Last Structure Change Effective Date: November 23, 2009 Last Structure Change Process Date: November 23, 2009 Last Data Update: November 23, 2009 Data Source Date: April 05, 2012
Location
Address: 10360 South Roberts Road, Palos Hills, IL 60465 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
Name Change
Financial Summary
Total assets: $66.0 mil Equity capital: $2.4 mil Deposits held in domestic offices: $62.9 mil Return on assets (ROA): -1.62% (-$1.1 mil) Quarterly return on assets: -5.57% (-$3.7 mil) Return on Equity (ROE): -33.97% (-$0.7 mil) Quarterly return on equity: -129.17% (-$2.6 mil) Net income: -$1.1 mil Quarterly Net income: -$0.9 mil Pretax return on assets: -1.62% (-$1,070.0 mil) Quarterly Pretax return on assets: -5.57% (-$3,678.9 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
22Total employees (full-time equivalent)
$66,049Total assets
$12,192Cash and due from depository institutions
$25Interest-bearing balances
$3,738Securities
$0Federal funds sold & reverse repurchase agreements
$49,384Net loans & leases
$2,964Loan loss allowance
$0Trading account assets
$406Bank premises and fixed assets
$33Other real estate owned
$0Goodwill and other intangibles
$66,049Life insurance assets
$296All other assets
$63,670Total liabilities and capital
$62,923Total liabilities
$53,367Total deposits
$62,923Interest-bearing deposits
$95Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$500Trading liabilities
$0Other borrowed funds
$247Subordinated debt
$2,379All other liabilities
$2,379Total equity capital
$2,379Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$5,461Surplus
$-3,682Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$9,254Income earned, not collected on loans
$0Earning assets
$222Long-term assets (5+ years)
$53,147Average Assets, year-to-date
$1,113Average Assets, quarterly
$66,660Volatile liabilities
$65,806Insider loans
$40,617FHLB advances
$65,690Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,360Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$447Restructured Loans and leases
$672Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$3,128Total interest income
$874Total interest expense
$2,254Net interest income
$915Provision for loan and lease losses
$116Total noninterest income
$0Fiduciary activities
$146Service charges on deposit accounts
$0Trading account gains & fees
-$30Additional noninterest income
$2,533Total noninterest expense
$1,079Salaries and employee benefits
$398Premises and equipment expense
$1,056Additional noninterest expense
-$1,078Pre-tax net operating income
-$4Securities gains (losses)
$0Applicable income taxes
-$1,082Income before extraordinary items
$0Extraordinary gains - net
-$1,082Net income attributable to bank
$0Net charge-offs
-$1,082Cash dividends
$502Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.12%Yield on earning assets
1.43%Cost of funding earning assets
3.69%Net interest margin
0.19%Noninterest income to earning assets
4.14%Noninterest expense to earning assets
-1.62%Net operating income to assets
-1.62%Return on assets (ROA)
-1.62%Pretax return on assets
-33.97%Return on equity (ROE)
-33.97%Retained earnings to average equity (YTD only)
0.92%Net charge-offs to loans
182.27%Credit loss provision to net charge-offs
-0.32%Efficiency ratio
106,878Assets per employee
3.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
5.66%Loss allowance to noncurrent loans
32.03%Noncurrent assets plus other real estate owned to assets
14.06%Noncurrent loans to loans
17.68%Net loans and leases to deposits
78.48%Net loans and leases to core deposits
86.86%Equity capital to assets
3.60%Core capital (leverage) ratio
3.59%Tier 1 risk-based capital ratio
5.81%Total risk-based capital ratio
Memoranda
$7Average assets
$66,660Average earning assets
$3,186Average equity
$61,152Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15718
Firstsecure Bank And Trust Co.
10360 South Roberts Road, Palos Hills, IL 60465
October 21, 1977
Full Service Brick and Mortar
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