FDIC Certificate #: 34038 Status: Active Federal Reserve ID: 2316714 Bank Holding Company (Regulatory Top Holder): Community Bank Corp. (RSSDID: 2536857, Location: Park Ridge, IL) Date Established: July 03, 1995 WWW:http://www.timetobank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 56015 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: July 03, 1995 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 626 Talcott Road, Park Ridge, IL 60068 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $266.5 mil Equity capital: $29.4 mil Deposits held in domestic offices: $230.7 mil Return on assets (ROA): 1.29% ($3.4 mil) Quarterly return on assets: 1.39% ($3.7 mil) Return on Equity (ROE): 11.96% ($3.5 mil) Quarterly return on equity: 12.82% ($3.7 mil) Net income: $3.4 mil Quarterly Net income: $0.9 mil Pretax return on assets: 1.29% ($3,438.3 mil) Quarterly Pretax return on assets: 1.39% ($3,704.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
20Total employees (full-time equivalent)
$266,533Total assets
$22,984Cash and due from depository institutions
$21,090Interest-bearing balances
$77,523Securities
$0Federal funds sold & reverse repurchase agreements
$151,300Net loans & leases
$3,021Loan loss allowance
$0Trading account assets
$1,487Bank premises and fixed assets
$4,399Other real estate owned
$0Goodwill and other intangibles
$266,533Life insurance assets
$8,840All other assets
$237,083Total liabilities and capital
$230,667Total liabilities
$200,730Total deposits
$230,667Interest-bearing deposits
$86Deposits held in domestic offices
5719.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$697Subordinated debt
$29,450All other liabilities
$29,450Total equity capital
$29,450Total bank equity capital
$0Perpetual preferred stock
$2,312Common stock
$4,205Surplus
$22,933Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,121Income earned, not collected on loans
$0Earning assets
$1,014Long-term assets (5+ years)
$249,913Average Assets, year-to-date
$12,563Average Assets, quarterly
$264,746Volatile liabilities
$268,387Insider loans
$166,913FHLB advances
$267,928Loans and leases held for sale
$7,017Unused loan commitments
$7,017Tier 1 (core) risk-based capital
$29,293Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$25,166Restructured Loans and leases
$3,707Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$9,615Total interest income
$868Total interest expense
$8,747Net interest income
$600Provision for loan and lease losses
$399Total noninterest income
$0Fiduciary activities
$123Service charges on deposit accounts
$0Trading account gains & fees
$276Additional noninterest income
$5,137Total noninterest expense
$2,500Salaries and employee benefits
$445Premises and equipment expense
$2,192Additional noninterest expense
$3,409Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$3,409Income before extraordinary items
$0Extraordinary gains - net
$3,409Net income attributable to bank
$0Net charge-offs
$3,409Cash dividends
$589Sale, conversion, retirement of capital stock, net
$1,760Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.85%Yield on earning assets
0.35%Cost of funding earning assets
3.51%Net interest margin
0.16%Noninterest income to earning assets
2.06%Noninterest expense to earning assets
1.29%Net operating income to assets
1.29%Return on assets (ROA)
1.29%Pretax return on assets
11.96%Return on equity (ROE)
5.79%Retained earnings to average equity (YTD only)
0.38%Net charge-offs to loans
101.87%Credit loss provision to net charge-offs
6.81%Efficiency ratio
56,167Assets per employee
13.33%Cash dividends to net income (YTD only)
Condition Ratios (%)
51.63%Loss allowance to loans
1.96%Loss allowance to noncurrent loans
269.49%Noncurrent assets plus other real estate owned to assets
2.07%Noncurrent loans to loans
0.73%Net loans and leases to deposits
65.59%Net loans and leases to core deposits
67.29%Equity capital to assets
11.05%Core capital (leverage) ratio
10.93%Tier 1 risk-based capital ratio
17.55%Total risk-based capital ratio
Memoranda
$19Average assets
$264,746Average earning assets
$28,504Average equity
$249,423Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
56015
Park Ridge Community Bank
626 Talcott Road, Park Ridge, IL 60068
July 03, 1995
Full Service Brick and Mortar
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