Talmer Bank and Trust in Troy, Michigan (MI), WI
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Talmer Bank and Trust in Troy, Michigan (MI), WI
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Talmer Bank and Trust routing number info

Talmer Bank and Trust - Overview

  • General
  • FDIC Certificate #: 58132
    Status: Active
    Federal Reserve ID: 3545324
    Bank Holding Company (Regulatory Top Holder): Talmer Bancorp Inc. (RSSDID: 3609682, Location: Troy, MI)
    Date Established: August 27, 2007
    WWW: http://www.talmerbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 56 (Domestic: 56, Interstate: Yes)
    FDIC's unique #: 440218
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 27, 2007
    Last Structure Change Effective Date: April 29, 2011
    Last Structure Change Process Date: May 03, 2011
    Last Data Update: May 03, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2301 West Big Beaver Road, Troy, MI 48084
    County: Oakland
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Detroit
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Detroit, MI (#2160)
    Consolidated Metropolitan Statistical Area (CMSA): Detroit-Ann Arbor-Flint, MI (#35)
    Combined Statistical Area (CSA): Detroit-Warren-Flint, MI (#220)
    Core Based Statistical Area (CBSA): Detroit-Warren-Livonia, MI (#19820)
    CBSA Metro Statistical Area: Detroit-Warren-Livonia, MI (#19820)
    Core Based Statistical Division: Warren-Troy-Farmington Hills, MI (#47644)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $2,126.7 mil
    Equity capital: $285.4 mil
    Deposits held in domestic offices: $1,722.6 mil
    Return on assets (ROA): 1.82% ($38.7 mil)
    Quarterly return on assets: 0.57% ($12.1 mil)
    Return on Equity (ROE): 13.85% ($39.5 mil)
    Quarterly return on equity: 4.30% ($12.3 mil)
    Net income: $37.1 mil
    Quarterly Net income: $3.0 mil
    Pretax return on assets: 2.80% ($59,547.0 mil)
    Quarterly Pretax return on assets: 0.84% ($17,864.1 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
  • 859Total employees (full-time equivalent)
  • $2,126,678Total assets
  • $98,657Cash and due from depository institutions
  • $43,579Interest-bearing balances
  • $223,939Securities
  • $96,503Federal funds sold & reverse repurchase agreements
  • $1,183,760Net loans & leases
  • $63,239Loan loss allowance
  • $0Trading account assets
  • $42,337Bank premises and fixed assets
  • $20,303Other real estate owned
  • $11,112Goodwill and other intangibles
  • $2,126,678Life insurance assets
  • $450,067All other assets
  • $1,841,317Total liabilities and capital
  • $1,722,581Total liabilities
  • $1,639,494Total deposits
  • $1,722,581Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 15634.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $46,486Trading liabilities
  • $0Other borrowed funds
  • $56,616Subordinated debt
  • $285,361All other liabilities
  • $285,361Total equity capital
  • $285,361Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $197,400Surplus
  • $86,961Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $11,081Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $160,415Income earned, not collected on loans
  • $0Earning assets
  • $20,786Long-term assets (5+ years)
  • $1,547,781Average Assets, year-to-date
  • $300,462Average Assets, quarterly
  • $2,038,471Volatile liabilities
  • $2,136,979Insider loans
  • $825,151FHLB advances
  • $2,136,176Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $274,533Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $208,106Restructured Loans and leases
  • $9,559Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $119,498Total interest income
  • $7,097Total interest expense
  • $112,401Net interest income
  • $68,467Provision for loan and lease losses
  • $113,246Total noninterest income
  • $1,769Fiduciary activities
  • $5,658Service charges on deposit accounts
  • $0Trading account gains & fees
  • $105,819Additional noninterest income
  • $102,817Total noninterest expense
  • $53,665Salaries and employee benefits
  • $10,658Premises and equipment expense
  • $38,494Additional noninterest expense
  • $54,363Pre-tax net operating income
  • $2,661Securities gains (losses)
  • $19,875Applicable income taxes
  • $37,149Income before extraordinary items
  • $0Extraordinary gains - net
  • $37,149Net income attributable to bank
  • $0Net charge-offs
  • $37,149Cash dividends
  • $22,446Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.98%Yield on earning assets
  • 0.47%Cost of funding earning assets
  • 7.50%Net interest margin
  • 7.56%Noninterest income to earning assets
  • 6.86%Noninterest expense to earning assets
  • 1.74%Net operating income to assets
  • 1.82%Return on assets (ROA)
  • 2.80%Pretax return on assets
  • 13.85%Return on equity (ROE)
  • 13.85%Retained earnings to average equity (YTD only)
  • 1.95%Net charge-offs to loans
  • 305.03%Credit loss provision to net charge-offs
  • 5.47%Efficiency ratio
  • 44,966Assets per employee
  • 2.48%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.07%Loss allowance to noncurrent loans
  • 39.42%Noncurrent assets plus other real estate owned to assets
  • 8.50%Noncurrent loans to loans
  • 12.86%Net loans and leases to deposits
  • 68.72%Net loans and leases to core deposits
  • 72.05%Equity capital to assets
  • 13.42%Core capital (leverage) ratio
  • 12.85%Tier 1 risk-based capital ratio
  • 33.27%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $2,038,471Average earning assets
  • $268,222Average equity
  • $1,498,185Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $247,515Managed Assets
  • 1Number of Accounts
  • $195,452Personal trust and agency accounts
  • $73,137Employee benefit-defined contribution accounts
  • $2,738Employee benefit-defined benefit accounts
  • $786Other retirement accounts
  • $28,357Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $88,394Other fiduciary accounts
  • $1,421Fiduciary accounts held in foreign offices
  • $619Non-managed Assets
  • 590Number of Accounts
  • $0Personal trust and agency accounts
  • $27,579Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $52,063Other retirement accounts
  • $5,603Corporate trust and agency accounts
  • $17,048Other fiduciary accounts
  • $14,857Fiduciary accounts held in foreign offices

List of branches

  • 39 Michigan Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0440218Talmer Bank And Trust2301 West Big Beaver Road, Troy, MI 48084August 27, 2007Full Service Brick and Mortar
    142839Port Huron525 Water Street, Port Huron, MI 48060January 01, 1937Full Service Brick and Mortar
    2278180Bad Axe123 N. Port Crescent, Bad Axe, MI 48413January 01, 1937Full Service Brick and Mortar
    3278181Sandusky629 West Sanilac Road, Sandusky, MI 48471January 01, 1937Full Service Brick and Mortar
    4278182Algonac301 Summer Street, Algonac, MI 48001January 01, 1937Full Service Brick and Mortar
    5278183Hancock1527 Hancock Street, Port Huron, MI 48060January 01, 1937Full Service Brick and Mortar
    6278184St. Clair270 Clinton Avenue, St. Clair, MI 48079January 01, 1937Full Service Brick and Mortar
    7278185Imlay City715 S Cedar Street, Imlay City, MI 48444January 01, 1937Full Service Brick and Mortar
    8278186Westside3136 Lapeer Road, Port Huron, MI 48060January 01, 1937Full Service Brick and Mortar
    9278187Marysville2015 Gratiot Avenue, Marysville, MI 48040January 01, 1937Full Service Brick and Mortar
    10278188Marine City210 South Parker Street, Marine City, MI 48039January 01, 1937Full Service Brick and Mortar
    11278189Croswell37 N. Howard Street, Croswell, MI 48422January 01, 1937Full Service Brick and Mortar
    12278190Harbor Beach204 S. Huron, Harbor Beach, MI 48441January 01, 1937Full Service Brick and Mortar
    14278194Fort Gratiot Branch4778 24th Avenue, Fort Gratiot, MI 48059May 18, 1998Full Service Brick and Mortar
    15363139Lapeer Loan Center Branch624 West Nepessing Street, Suite 105, Lapeer, MI 48446Febuary 12, 2002Limited Service Loan Production
    16420243Lexington Branch5536 Main Street, Lexington, MI 48450March 04, 2002Full Service Brick and Mortar
    17420290Wadhams2855 Wadhams Road, Kimball, MI 48074July 07, 2003Full Service Brick and Mortar
    18442496Lapeer East Branch567 E Genesee St, Lapeer, MI 48446June 04, 2005Full Service Brick and Mortar
    20442498Chesterfield Branch33970 23 Mile Rd, Chesterfield, MI 48047June 05, 2005Full Service Brick and Mortar
    21444323Shelby Township48883 Hayes Rd, Shelby Township, MI 48315Febuary 02, 2005Full Service Brick and Mortar
    2212557Farmington Main Branch37000 Grand River Avenue, Suite 100, Farmington Hills, MI 48335January 18, 1963Full Service Brick and Mortar
    23246244Farmington Branch (Downtown)33205 Grand River Avenue, Farmington, MI 48336August 31, 1973Full Service Brick and Mortar
    24246245Farmington Hills Branch34391 Twelve Mile Road, Farmington Hills, MI 48331Febuary 23, 1987Full Service Brick and Mortar
    25246247West Bloomfield Branch7950 West Maple Road, West Bloomfield, MI 48322November 21, 1994Full Service Brick and Mortar
    439357Hamtramck Branch9252 Jos. Campau Avenue, Hamtramck, MI 48212Febuary 11, 1909Full Service Brick and Mortar
    4423246712 Mile & Gloede Branch14801 12 Mile Road, Warren, MI 48088March 13, 1995Full Service Brick and Mortar
    4523246813 Mile & Ryan Branch31130 Ryan Road, Warren, MI 48092April 10, 1995Full Service Brick and Mortar
    471265812 Mile & Dequindre Branch1800 East Twelve Mile Road, Madison Heights, MI 48071June 08, 1963Full Service Brick and Mortar
    4924649612 Mile & Halstead Branch37386 Twelve Mile Road, Farmington Hills, MI 48331September 15, 1995Full Service Brick and Mortar
    50437231Metropolitan Parkway Branch3801 Metropolitan Parkway, Sterling Heights, MI 48310January 18, 2005Full Service Brick and Mortar
    51453448Fenton Branch17197 Silver Parkway, Fenton, MI 48430August 15, 2005Full Service Brick and Mortar
    52463369Troy Branch30 Long Lake Road, Troy, MI 48098January 16, 2007Full Service Brick and Mortar
    5346820020276 Mack Avenue Branch20276 Mack Avenue, Grosse Pointe Woods, MI 48236September 17, 2007Full Service Brick and Mortar
    5456993Mount Clemens Branch100 North Main Street, Mount Clemens, MI 48046October 28, 1996Full Service Brick and Mortar
    55290486Port Huron Loan Production Branch201 Huron Avenue, Port Huron, MI 48060April 20, 1999Limited Service Loan Production
    5661941Rochester Hills Branch1467 North Rochester Road, Rochester Hills, MI 48307January 05, 1999Full Service Brick and Mortar
    57453077Grosse Pointe Branch121 Kercheval, Grosse Pointe Farms, MI 48236June 05, 2006Full Service Brick and Mortar
    58478992Grosse Pointe Woods Branch21110 Mack Ave, Grosse Pointe Woods, MI 48236June 09, 2008Full Service Brick and Mortar
    59521928Rochester - 440 Main St Branch440 Main Street, Rochester, MI 48307May 16, 2011Full Service Brick and Mortar
  • 17 Wisconsin Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    263555Burlington - 400 Milwaukee Ave Branc400 Milwaukee Avenue, Burlington, WI 53105June 20, 1920Full Service Brick and Mortar
    27207429Lyons Branch1479 Creekside Drive, Lyons, WI 53148April 01, 1968Full Service Brick and Mortar
    28207430Wind Lake Branch7998 South Loomis Road, Wind Lake, WI 53185April 11, 1968Full Service Brick and Mortar
    29207431Kenosha Branch8700 75th Street, Kenosha, WI 53142November 13, 1989Full Service Brick and Mortar
    30207432Lake Geneva Branch567 Broad Street, Lake Geneva, WI 53147November 27, 1989Full Service Brick and Mortar
    31207433Walworth Branch671 Kenosha Street, Walworth, WI 53184November 09, 1994Full Service Brick and Mortar
    32207434Burlington East Branch501 East State Street, Burlington, WI 53105July 18, 1995Full Service Brick and Mortar
    33207435Union Grove Branch1201 Main Street, Union Grove, WI 53182January 26, 1996Full Service Brick and Mortar
    34225228Pell Lake BranchN 1264 Park Rd, Genoa City, WI 53128Febuary 27, 1969Full Service Brick and Mortar
    35225230Genoa City Branch235 Freeman Street, Genoa City, WI 53128March 09, 1995Full Service Brick and Mortar
    361629Albany Branch102 West Main Street, Albany, WI 53502January 01, 1892Full Service Brick and Mortar
    37192698Monroe Branch101 7-1/2 Street, Monroe, WI 53566December 09, 1992Full Service Brick and Mortar
    38207438Lake Geneva East Branch550 Commercial Court, Lake Geneva, WI 53147December 07, 1998Full Service Brick and Mortar
    39360880Darlington Branch15815 Highway 81, Darlington, WI 53530May 29, 2001Full Service Brick and Mortar
    40364773Bradford Plaza Branch3825 39th Avenue, Kenosha, WI 53144July 05, 2001Full Service Brick and Mortar
    41419389Shullsburg Branch203 Water Street, Shullsburg, WI 53586June 02, 2003Full Service Brick and Mortar
    42514547Burlington Mini Bank400 Milwaukee Avenue, Burlington, WI 53105November 19, 2010Limited Service Facility

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