FDIC Certificate #: 16296 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:The National Bank & Trust Company of Sycamore (#10036) Federal Reserve ID: 354132 Date Established: September 15, 1945 WWW:http://www.lnbnationalbank.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 3 (Interstate: No) OTS Docket #: 13910 FDIC's unique #: 10484 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: September 15, 1945 Last Structure Change Effective Date: June 29, 2004 Last Structure Change Process Date: July 16, 2004 Last Data Update: July 16, 2004 Data Source Date: April 05, 2012
Location
Address: 155 North Third Street, Dekalb, IL 60115 County: Dekalb Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Princeton 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: $78.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
24Total employees (full-time equivalent)
$80,861Total assets
$4,681Cash and due from depository institutions
$105Interest-bearing balances
$20,292Securities
$420Federal funds sold & reverse repurchase agreements
$50,469Net loans & leases
$504Loan loss allowance
$0Trading account assets
$693Bank premises and fixed assets
$0Other real estate owned
$2,922Goodwill and other intangibles
$0Life insurance assets
$1,384All other assets
$80,861Total liabilities and capital
$72,202Total liabilities
$68,797Total deposits
$58,360Interest-bearing deposits
$68,797Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$3,010Other borrowed funds
$0Subordinated debt
$395All other liabilities
$8,659Total equity capital
$8,659Total bank equity capital
$8,659Perpetual preferred stock
$0Common stock
$263Surplus
$7,092Undivided profits
Memoranda
$1,304Noncurrent loans and leases
$7,887Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$164Earning assets
$0Long-term assets (5+ years)
$591Average Assets, year-to-date
$71,286Average Assets, quarterly
$13,362Volatile liabilities
$78,956Insider loans
$81,182FHLB advances
$14,811Loans and leases held for sale
$512Unused loan commitments
$3,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,887Total unused commitments
$0Restructured Loans and leases
$504Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$4,080Total interest income
$1,751Total interest expense
$2,329Net interest income
$48Provision for loan and lease losses
$267Total noninterest income
$0Fiduciary activities
$181Service charges on deposit accounts
$0Trading account gains & fees
$86Additional noninterest income
$2,025Total noninterest expense
$884Salaries and employee benefits
$399Premises and equipment expense
$742Additional noninterest expense
$523Pre-tax net operating income
$23Securities gains (losses)
$143Applicable income taxes
$403Income before extraordinary items
$0Extraordinary gains - net
$403Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.81%Yield on earning assets
2.49%Cost of funding earning assets
3.31%Net interest margin
0.38%Noninterest income to earning assets
2.88%Noninterest expense to earning assets
0.49%Net operating income to assets
0.51%Return on assets (ROA)
0.69%Pretax return on assets
4.73%Return on equity (ROE)
4.73%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
-1600.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
78,005Assets per employee
3.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
307.32%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.32%Net loans and leases to deposits
73.36%Net loans and leases to core deposits
90.13%Equity capital to assets
10.71%Core capital (leverage) ratio
7.15%Tier 1 risk-based capital ratio
10.03%Total risk-based capital ratio
Memoranda
$11Average assets
$78,956Average earning assets
$8,528Average equity
$70,274Average loans
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