FDIC Certificate #: 30600 Status: Inactive Closing history: Corrections Acquiring institution:Northbrook Bank and Trust Company (#57082) Federal Reserve ID: 536479 Date Established: January 01, 1946 Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 4 (Interstate: No) OTS Docket #: 5616 FDIC's unique #: 43434 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: July 06, 1954 Last Structure Change Effective Date: April 23, 2010 Last Structure Change Process Date: April 26, 2010 Last Data Update: April 26, 2010 Data Source Date: April 05, 2012
Location
Address: 1946 W Irving Pk Road, Chicago, IL 60613 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
Absorption - Assisted
Corrections
Financial Summary
Total assets: $194.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2009)
Dollar figures in thousands
75Total employees (full-time equivalent)
$204,549Total assets
$2,780Cash and due from depository institutions
$338Interest-bearing balances
$17,145Securities
$1,166Federal funds sold & reverse repurchase agreements
$163,576Net loans & leases
$4,695Loan loss allowance
$0Trading account assets
$5,978Bank premises and fixed assets
$3,614Other real estate owned
$106Goodwill and other intangibles
$5,383Life insurance assets
$10,184All other assets
$204,549Total liabilities and capital
$200,810Total liabilities
$171,469Total deposits
$159,921Interest-bearing deposits
$171,469Deposits held in domestic offices
97.26%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$27,000Other borrowed funds
$0Subordinated debt
$2,341All other liabilities
$3,739Total equity capital
$3,739Total bank equity capital
$3,739Perpetual preferred stock
$0Common stock
$0Surplus
$0Undivided profits
Memoranda
$3,739Noncurrent loans and leases
$13,006Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$30,001Earning assets
$0Long-term assets (5+ years)
$945Average Assets, year-to-date
$182,225Average Assets, quarterly
$64,732Volatile liabilities
$219,030Insider loans
$209,950FHLB advances
$36,478Loans and leases held for sale
$987Unused loan commitments
$27,000Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,357Total risk weighted assets
$13,006Total unused commitments
$2,446Restructured Loans and leases
$1,868Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$9,890Total interest income
$5,439Total interest expense
$4,451Net interest income
$5,445Provision for loan and lease losses
$3,318Total noninterest income
$0Fiduciary activities
$274Service charges on deposit accounts
$0Trading account gains & fees
$3,044Additional noninterest income
$11,696Total noninterest expense
$5,147Salaries and employee benefits
$1,630Premises and equipment expense
$4,919Additional noninterest expense
-$9,372Pre-tax net operating income
$114Securities gains (losses)
-$30Applicable income taxes
-$9,228Income before extraordinary items
$0Extraordinary gains - net
-$9,228Net income attributable to bank
$0Net charge-offs
-$9,228Cash dividends
$4,789Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.09%Yield on earning assets
2.80%Cost of funding earning assets
2.29%Net interest margin
1.71%Noninterest income to earning assets
6.02%Noninterest expense to earning assets
-4.27%Net operating income to assets
-4.21%Return on assets (ROA)
-4.23%Pretax return on assets
-104.44%Return on equity (ROE)
-104.44%Retained earnings to average equity (YTD only)
2.79%Net charge-offs to loans
113.70%Credit loss provision to net charge-offs
-0.82%Efficiency ratio
150,547Assets per employee
2.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.79%Loss allowance to noncurrent loans
15.65%Noncurrent assets plus other real estate owned to assets
16.43%Noncurrent loans to loans
17.83%Net loans and leases to deposits
95.40%Net loans and leases to core deposits
109.79%Equity capital to assets
1.83%Core capital (leverage) ratio
1.67%Tier 1 risk-based capital ratio
2.43%Total risk-based capital ratio
Memoranda
$4Average assets
$219,030Average earning assets
$8,836Average equity
$194,144Average loans
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