FDIC Certificate #: 10824 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:MB Financial Bank, National Association (#3628) Federal Reserve ID: 403441 Date Established: December 14, 1911 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) OTS Docket #: 14015 FDIC's unique #: 6925 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 01, 1934 Last Structure Change Effective Date: May 15, 2003 Last Structure Change Process Date: June 06, 2003 Last Data Update: June 06, 2003 Data Source Date: April 05, 2012
Location
Address: 16178 South Park, South Holland, IL 60473 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: $558.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
205Total employees (full-time equivalent)
$530,466Total assets
$17,348Cash and due from depository institutions
$249Interest-bearing balances
$196,813Securities
$35,000Federal funds sold & reverse repurchase agreements
$265,414Net loans & leases
$5,876Loan loss allowance
$0Trading account assets
$7,172Bank premises and fixed assets
$0Other real estate owned
$2,641Goodwill and other intangibles
$0Life insurance assets
$6,078All other assets
$530,466Total liabilities and capital
$464,471Total liabilities
$454,877Total deposits
$367,911Interest-bearing deposits
$454,877Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$9,594All other liabilities
$65,995Total equity capital
$65,995Total bank equity capital
$65,995Perpetual preferred stock
$0Common stock
$1,200Surplus
$29,551Undivided profits
Memoranda
$35,244Noncurrent loans and leases
$98,716Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$6,632Earning assets
$0Long-term assets (5+ years)
$3,001Average Assets, year-to-date
$497,476Average Assets, quarterly
$151,075Volatile liabilities
$527,013Insider loans
$531,743FHLB advances
$26,133Loans and leases held for sale
$90Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$263Total risk weighted assets
$98,716Total unused commitments
$0Restructured Loans and leases
$5,129Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$29,466Total interest income
$8,261Total interest expense
$21,205Net interest income
$4,690Provision for loan and lease losses
$14,107Total noninterest income
$2,558Fiduciary activities
$2,482Service charges on deposit accounts
$0Trading account gains & fees
$9,067Additional noninterest income
$31,104Total noninterest expense
$12,561Salaries and employee benefits
$3,116Premises and equipment expense
$15,427Additional noninterest expense
-$482Pre-tax net operating income
$260Securities gains (losses)
$197Applicable income taxes
-$419Income before extraordinary items
$0Extraordinary gains - net
-$419Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$397Sale, conversion, retirement of capital stock, net
$3,500Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.93%Yield on earning assets
1.66%Cost of funding earning assets
4.27%Net interest margin
2.84%Noninterest income to earning assets
6.26%Noninterest expense to earning assets
-0.13%Net operating income to assets
-0.08%Return on assets (ROA)
-0.04%Pretax return on assets
-0.61%Return on equity (ROE)
-5.75%Retained earnings to average equity (YTD only)
0.14%Net charge-offs to loans
1181.36%Credit loss provision to net charge-offs
10.60%Efficiency ratio
88,083Assets per employee
2.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
-835.32%Loss allowance to loans
2.17%Loss allowance to noncurrent loans
88.60%Noncurrent assets plus other real estate owned to assets
1.25%Noncurrent loans to loans
2.44%Net loans and leases to deposits
58.35%Net loans and leases to core deposits
61.91%Equity capital to assets
12.44%Core capital (leverage) ratio
10.88%Tier 1 risk-based capital ratio
14.10%Total risk-based capital ratio
Memoranda
$15Average assets
$527,013Average earning assets
$68,195Average equity
$496,658Average loans
Total Fiduciary and Related Assets (December 31, 2002)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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