National Bank of Commerce in Berkeley, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 16, 2009

  • National Bank of Commerce in Berkeley, Illinois (IL)
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National Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 19733
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: Republic Bank of Chicago (#19333)
    Federal Reserve ID: 442039
    Date Established: July 26, 1966
    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)
    OTS Docket #: 13027
    FDIC's unique #: 13529
    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: July 13, 1967
    Last Structure Change Effective Date: January 16, 2009
    Last Structure Change Process Date: January 21, 2009
    Last Data Update: January 21, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 5500 St. Charles Road, Berkeley, IL 60163
    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: $419.7 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, 2008)

  • Dollar figures in thousands
  • 75Total employees (full-time equivalent)
  • $419,741Total assets
  • $23,343Cash and due from depository institutions
  • $2,000Interest-bearing balances
  • $60,678Securities
  • $39,535Federal funds sold & reverse repurchase agreements
  • $230,412Net loans & leases
  • $4,573Loan loss allowance
  • $0Trading account assets
  • $5,199Bank premises and fixed assets
  • $0Other real estate owned
  • $9,585Goodwill and other intangibles
  • $0Life insurance assets
  • $50,989All other assets
  • $419,741Total liabilities and capital
  • $416,221Total liabilities
  • $395,868Total deposits
  • $343,977Interest-bearing deposits
  • $395,868Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $8,485Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $10,000Other borrowed funds
  • $0Subordinated debt
  • $1,868All other liabilities
  • $3,520Total equity capital
  • $3,520Total bank equity capital
  • $3,520Perpetual preferred stock
  • $0Common stock
  • $938Surplus
  • $36,794Undivided profits
  • Memoranda
  • $-34,212Noncurrent loans and leases
  • $54,795Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $7,451Earning assets
  • $0Long-term assets (5+ years)
  • $1,375Average Assets, year-to-date
  • $332,625Average Assets, quarterly
  • $51,772Volatile liabilities
  • $432,101Insider loans
  • $439,274FHLB advances
  • $65,377Loans and leases held for sale
  • $9,799Unused loan commitments
  • $10,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $54,795Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $20,954Total interest income
  • $10,387Total interest expense
  • $10,567Net interest income
  • $600Provision for loan and lease losses
  • $1,020Total noninterest income
  • $0Fiduciary activities
  • $496Service charges on deposit accounts
  • $0Trading account gains & fees
  • $524Additional noninterest income
  • $7,791Total noninterest expense
  • $4,783Salaries and employee benefits
  • $763Premises and equipment expense
  • $2,245Additional noninterest expense
  • $3,196Pre-tax net operating income
  • -$99,540Securities gains (losses)
  • -$38,071Applicable income taxes
  • -$58,273Income before extraordinary items
  • $0Extraordinary gains - net
  • -$58,273Net 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, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.59%Yield on earning assets
  • 2.77%Cost of funding earning assets
  • 2.82%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.08%Noninterest expense to earning assets
  • 1.26%Net operating income to assets
  • -13.49%Return on assets (ROA)
  • -22.30%Pretax return on assets
  • -213.86%Return on equity (ROE)
  • -213.86%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 20000.00%Credit loss provision to net charge-offs
  • 1265.33%Efficiency ratio
  • 67,239Assets per employee
  • 5.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.95%Loss allowance to noncurrent loans
  • 61.37%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 3.17%Net loans and leases to deposits
  • 58.20%Net loans and leases to core deposits
  • 66.03%Equity capital to assets
  • 0.84%Core capital (leverage) ratio
  • -11.41%Tier 1 risk-based capital ratio
  • -16.53%Total risk-based capital ratio
  • Memoranda
  • -$17Average assets
  • $432,101Average earning assets
  • $27,248Average equity
  • $374,619Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,149Managed Assets
  • 1Number of Accounts
  • $327Personal trust and agency accounts
  • $117Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $141Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $69Non-managed Assets
  • 42Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,822Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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