FDIC Certificate #: 26896 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:INLAND BANK & TRUST (#22444) Federal Reserve ID: 1978535 Date Established: Febuary 07, 1987 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 36220 Numeric code: 21 Regulator: FDIC 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: Febuary 07, 1987 Last Structure Change Effective Date: May 19, 2008 Last Structure Change Process Date: May 23, 2008 Last Data Update: May 23, 2008 Data Source Date: April 05, 2012
Location
Address: 2225 South Wolf Road, Hillside, IL 60162 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: $358.2 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
52Total employees (full-time equivalent)
$364,458Total assets
$4,171Cash and due from depository institutions
$113Interest-bearing balances
$27,786Securities
$21,900Federal funds sold & reverse repurchase agreements
$302,576Net loans & leases
$1,979Loan loss allowance
$0Trading account assets
$2,095Bank premises and fixed assets
$258Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$5,672All other assets
$364,458Total liabilities and capital
$329,515Total liabilities
$312,452Total deposits
$295,577Interest-bearing deposits
$312,452Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$15,000Other borrowed funds
$0Subordinated debt
$2,063All other liabilities
$34,943Total equity capital
$34,943Total bank equity capital
$34,943Perpetual preferred stock
$0Common stock
$4,088Surplus
$12,050Undivided profits
Memoranda
$18,805Noncurrent loans and leases
$30,360Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,763Earning assets
$0Long-term assets (5+ years)
$1,682Average Assets, year-to-date
$352,375Average Assets, quarterly
$63,582Volatile liabilities
$338,316Insider loans
$344,639FHLB advances
$40,512Loans and leases held for sale
$204Unused loan commitments
$15,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$30,360Total unused commitments
$0Restructured Loans and leases
$1,979Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$23,533Total interest income
$12,435Total interest expense
$11,098Net interest income
$530Provision for loan and lease losses
$199Total noninterest income
$0Fiduciary activities
$71Service charges on deposit accounts
$0Trading account gains & fees
$128Additional noninterest income
$5,410Total noninterest expense
$2,963Salaries and employee benefits
$908Premises and equipment expense
$1,539Additional noninterest expense
$5,357Pre-tax net operating income
$0Securities gains (losses)
$1,805Applicable income taxes
$3,552Income before extraordinary items
$0Extraordinary gains - net
$3,552Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$846Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.20%Yield on earning assets
3.80%Cost of funding earning assets
3.39%Net interest margin
0.06%Noninterest income to earning assets
1.65%Noninterest expense to earning assets
1.05%Net operating income to assets
1.05%Return on assets (ROA)
1.58%Pretax return on assets
10.80%Return on equity (ROE)
10.80%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
62.65%Credit loss provision to net charge-offs
6.96%Efficiency ratio
47,889Assets per employee
7.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.65%Loss allowance to noncurrent loans
71.63%Noncurrent assets plus other real estate owned to assets
0.83%Noncurrent loans to loans
0.91%Net loans and leases to deposits
96.84%Net loans and leases to core deposits
109.26%Equity capital to assets
9.59%Core capital (leverage) ratio
10.20%Tier 1 risk-based capital ratio
12.00%Total risk-based capital ratio
Memoranda
$13Average assets
$338,316Average earning assets
$32,898Average equity
$326,964Average loans
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