FDIC Certificate #: 34821 Status: Inactive Closing history: Corrections Acquiring institution:MB Financial Bank, National Association (#3628) Federal Reserve ID: 2713461 Date Established: January 11, 1999 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 61732 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: January 11, 1999 Last Structure Change Effective Date: April 23, 2010 Last Structure Change Process Date: April 27, 2010 Last Data Update: April 27, 2010 Data Source Date: April 05, 2012
Location
Address: 363 West Ontario Street, Chicago, IL 60610 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: $447.2 mil
2000 - 2011 Historical total assets, liabilities and capital ($ 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
70Total employees (full-time equivalent)
$509,694Total assets
$59,117Cash and due from depository institutions
$592Interest-bearing balances
$20,907Securities
$0Federal funds sold & reverse repurchase agreements
$400,388Net loans & leases
$24,063Loan loss allowance
$0Trading account assets
$7,820Bank premises and fixed assets
$15,998Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$5,464All other assets
$509,694Total liabilities and capital
$496,338Total liabilities
$492,046Total deposits
$446,131Interest-bearing deposits
$492,046Deposits held in domestic offices
92.02%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$4,292All other liabilities
$13,356Total equity capital
$13,356Total bank equity capital
$13,356Perpetual preferred stock
$0Common stock
$5,000Surplus
$31,000Undivided profits
Memoranda
$-22,644Noncurrent loans and leases
$27,380Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$103,570Earning assets
$0Long-term assets (5+ years)
$1,962Average Assets, year-to-date
$421,887Average Assets, quarterly
$17,033Volatile liabilities
$494,641Insider loans
$499,220FHLB advances
$147,974Loans and leases held for sale
$3,427Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,100Tier 2 risk-based capital
$0Total risk weighted assets
$27,380Total unused commitments
$10,090Restructured Loans and leases
$5,297Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$22,595Total interest income
$10,673Total interest expense
$11,922Net interest income
$10,000Provision for loan and lease losses
$1,304Total noninterest income
$0Fiduciary activities
$914Service charges on deposit accounts
$0Trading account gains & fees
$390Additional noninterest income
$16,025Total noninterest expense
$7,069Salaries and employee benefits
$2,404Premises and equipment expense
$6,552Additional noninterest expense
-$12,799Pre-tax net operating income
-$12Securities gains (losses)
-$503Applicable income taxes
-$12,308Income before extraordinary items
$0Extraordinary gains - net
-$12,308Net income attributable to bank
$0Net charge-offs
-$12,308Cash dividends
$2,518Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.21%Yield on earning assets
2.46%Cost of funding earning assets
2.75%Net interest margin
0.30%Noninterest income to earning assets
3.70%Noninterest expense to earning assets
-2.49%Net operating income to assets
-2.49%Return on assets (ROA)
-2.59%Pretax return on assets
-47.40%Return on equity (ROE)
-47.40%Retained earnings to average equity (YTD only)
0.57%Net charge-offs to loans
397.14%Credit loss provision to net charge-offs
-1.11%Efficiency ratio
121,163Assets per employee
7.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
5.67%Loss allowance to noncurrent loans
23.23%Noncurrent assets plus other real estate owned to assets
23.46%Noncurrent loans to loans
24.40%Net loans and leases to deposits
81.37%Net loans and leases to core deposits
116.37%Equity capital to assets
2.62%Core capital (leverage) ratio
2.70%Tier 1 risk-based capital ratio
3.34%Total risk-based capital ratio
Memoranda
$5Average assets
$494,641Average earning assets
$25,965Average equity
$433,562Average loans
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