FDIC Certificate #: 20111 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Mutual Bank (#18659) Federal Reserve ID: 836946 Date Established: January 13, 1970 WWW:http://www.securitybankonline.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 4 (Interstate: No) FDIC's unique #: 13813 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: January 13, 1970 Last Structure Change Effective Date: Febuary 07, 2004 Last Structure Change Process Date: Febuary 19, 2004 Last Data Update: Febuary 19, 2004 Data Source Date: April 05, 2012
Location
Address: 1112 South Washington Street, Naperville, IL 60540 County: Dupage 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: $121.7 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
41Total employees (full-time equivalent)
$121,696Total assets
$6,291Cash and due from depository institutions
$0Interest-bearing balances
$13,960Securities
$5,500Federal funds sold & reverse repurchase agreements
$86,808Net loans & leases
$1,046Loan loss allowance
$0Trading account assets
$6,049Bank premises and fixed assets
$0Other real estate owned
$1,475Goodwill and other intangibles
$0Life insurance assets
$1,613All other assets
$121,696Total liabilities and capital
$110,930Total liabilities
$110,479Total deposits
$89,911Interest-bearing deposits
$110,479Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$451All other liabilities
$10,766Total equity capital
$10,766Total bank equity capital
$10,766Perpetual preferred stock
$0Common stock
$936Surplus
$8,454Undivided profits
Memoranda
$1,376Noncurrent loans and leases
$27,967Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$445Earning assets
$0Long-term assets (5+ years)
$385Average Assets, year-to-date
$106,268Average Assets, quarterly
$11,192Volatile liabilities
$114,271Insider loans
$121,951FHLB advances
$10,820Loans and leases held for sale
$651Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$27,967Total unused commitments
$0Restructured Loans and leases
$1,046Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$5,878Total interest income
$1,699Total interest expense
$4,179Net interest income
$390Provision for loan and lease losses
$1,076Total noninterest income
$0Fiduciary activities
$370Service charges on deposit accounts
$0Trading account gains & fees
$706Additional noninterest income
$3,732Total noninterest expense
$1,653Salaries and employee benefits
$640Premises and equipment expense
$1,439Additional noninterest expense
$1,133Pre-tax net operating income
$1Securities gains (losses)
$392Applicable income taxes
$742Income before extraordinary items
$0Extraordinary gains - net
$742Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$149Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.94%Yield on earning assets
1.72%Cost of funding earning assets
4.23%Net interest margin
1.09%Noninterest income to earning assets
3.77%Noninterest expense to earning assets
0.65%Net operating income to assets
0.65%Return on assets (ROA)
0.99%Pretax return on assets
7.34%Return on equity (ROE)
7.34%Retained earnings to average equity (YTD only)
0.18%Net charge-offs to loans
261.74%Credit loss provision to net charge-offs
10.22%Efficiency ratio
71,018Assets per employee
2.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
235.06%Noncurrent assets plus other real estate owned to assets
0.37%Noncurrent loans to loans
0.51%Net loans and leases to deposits
78.57%Net loans and leases to core deposits
87.11%Equity capital to assets
8.85%Core capital (leverage) ratio
7.87%Tier 1 risk-based capital ratio
9.19%Total risk-based capital ratio
Memoranda
$10Average assets
$114,271Average earning assets
$10,113Average equity
$98,891Average loans
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