FDIC Certificate #: 34231 Status: Inactive Closing history: Absorption - Assisted Acquiring institution:Northbrook Bank and Trust Company (#57082) Federal Reserve ID: 2435615 Date Established: August 26, 1996 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 15372 FDIC's unique #: 56990 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: August 26, 1996 Last Structure Change Effective Date: August 06, 2010 Last Structure Change Process Date: August 10, 2010 Last Data Update: August 10, 2010 Data Source Date: April 05, 2012
Location
Address: 2300 West Lawrence Avenue, Chicago, IL 60625 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: $264.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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
41Total employees (full-time equivalent)
$309,416Total assets
$32,230Cash and due from depository institutions
$30,663Interest-bearing balances
$38,558Securities
$0Federal funds sold & reverse repurchase agreements
$213,963Net loans & leases
$13,954Loan loss allowance
$0Trading account assets
$11,245Bank premises and fixed assets
$3,630Other real estate owned
$0Goodwill and other intangibles
$4,880Life insurance assets
$9,790All other assets
$309,416Total liabilities and capital
$300,910Total liabilities
$297,144Total deposits
$282,293Interest-bearing deposits
$297,144Deposits held in domestic offices
98.39%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$3,766All other liabilities
$8,506Total equity capital
$8,506Total bank equity capital
$8,506Perpetual preferred stock
$0Common stock
$1,000Surplus
$10,888Undivided profits
Memoranda
$-3,382Noncurrent loans and leases
$7,942Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$51,125Earning assets
$0Long-term assets (5+ years)
$1,833Average Assets, year-to-date
$283,184Average Assets, quarterly
$44,800Volatile liabilities
$327,940Insider loans
$317,195FHLB advances
$27,385Loans and leases held for sale
$169Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,942Total unused commitments
$1,603Restructured Loans and leases
$3,414Derivatives
Income and Expense (December 31, 2009)
Dollar figures in thousands
$16,593Total interest income
$11,704Total interest expense
$4,889Net interest income
$5,100Provision for loan and lease losses
$320Total noninterest income
$0Fiduciary activities
$720Service charges on deposit accounts
$0Trading account gains & fees
-$400Additional noninterest income
$8,976Total noninterest expense
$3,125Salaries and employee benefits
$827Premises and equipment expense
$5,024Additional noninterest expense
-$8,867Pre-tax net operating income
-$426Securities gains (losses)
-$1,946Applicable income taxes
-$7,347Income before extraordinary items
$0Extraordinary gains - net
-$7,347Net income attributable to bank
$0Net charge-offs
-$7,347Cash dividends
$567Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2009)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.66%Yield on earning assets
3.99%Cost of funding earning assets
1.67%Net interest margin
0.11%Noninterest income to earning assets
3.06%Noninterest expense to earning assets
-2.14%Net operating income to assets
-2.24%Return on assets (ROA)
-2.83%Pretax return on assets
-51.37%Return on equity (ROE)
-51.37%Retained earnings to average equity (YTD only)
0.24%Net charge-offs to loans
899.47%Credit loss provision to net charge-offs
-6.64%Efficiency ratio
172,317Assets per employee
7.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.12%Loss allowance to noncurrent loans
27.29%Noncurrent assets plus other real estate owned to assets
17.70%Noncurrent loans to loans
22.43%Net loans and leases to deposits
72.01%Net loans and leases to core deposits
79.32%Equity capital to assets
2.75%Core capital (leverage) ratio
3.06%Tier 1 risk-based capital ratio
3.80%Total risk-based capital ratio
Memoranda
$5Average assets
$327,940Average earning assets
$14,301Average equity
$293,403Average loans
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