FDIC Certificate #: 34292 Status: Inactive Closing history: Absorption - Assisted Acquiring institution:Schaumburg Bank & Trust Company, National Association (#57103) Federal Reserve ID: 2568120 Date Established: April 21, 1997 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 57051 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: April 21, 1997 Last Structure Change Effective Date: March 25, 2011 Last Structure Change Process Date: March 28, 2011 Last Data Update: March 28, 2011 Data Source Date: April 05, 2012
Location
Address: 171 East Irving Park Road, Wood Dale, IL 60191 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: $163.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2010)
Dollar figures in thousands
15Total employees (full-time equivalent)
$163,074Total assets
$19,087Cash and due from depository institutions
$18,494Interest-bearing balances
$0Securities
$0Federal funds sold & reverse repurchase agreements
$126,221Net loans & leases
$8,394Loan loss allowance
$0Trading account assets
$3,385Bank premises and fixed assets
$13,127Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,254All other assets
$163,074Total liabilities and capital
$162,379Total liabilities
$161,379Total deposits
$156,986Interest-bearing deposits
$161,379Deposits held in domestic offices
98.25%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,000All other liabilities
$695Total equity capital
$695Total bank equity capital
$695Perpetual preferred stock
$0Common stock
$4,045Surplus
$15,520Undivided profits
Memoranda
$-18,870Noncurrent loans and leases
$896Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$38,113Earning assets
$0Long-term assets (5+ years)
$362Average Assets, year-to-date
$144,715Average Assets, quarterly
$1,920Volatile liabilities
$182,418Insider loans
$165,987FHLB advances
$89,317Loans and leases held for sale
$2,198Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$896Total unused commitments
$9,947Restructured Loans and leases
$695Derivatives
Income and Expense (December 31, 2010)
Dollar figures in thousands
$7,130Total interest income
$3,888Total interest expense
$3,242Net interest income
$5,352Provision for loan and lease losses
-$997Total noninterest income
$0Fiduciary activities
$37Service charges on deposit accounts
$0Trading account gains & fees
-$1,034Additional noninterest income
$5,245Total noninterest expense
$964Salaries and employee benefits
$219Premises and equipment expense
$4,062Additional noninterest expense
-$8,352Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$8,352Income before extraordinary items
$0Extraordinary gains - net
-$8,352Net income attributable to bank
$0Net charge-offs
-$8,352Cash dividends
$5,056Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2010)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.24%Yield on earning assets
2.31%Cost of funding earning assets
1.93%Net interest margin
-0.59%Noninterest income to earning assets
3.12%Noninterest expense to earning assets
-4.58%Net operating income to assets
-4.58%Return on assets (ROA)
-4.58%Pretax return on assets
-161.70%Return on equity (ROE)
-161.70%Retained earnings to average equity (YTD only)
3.34%Net charge-offs to loans
105.85%Credit loss provision to net charge-offs
-0.59%Efficiency ratio
233,630Assets per employee
10.87%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
6.24%Loss allowance to noncurrent loans
22.02%Noncurrent assets plus other real estate owned to assets
31.42%Noncurrent loans to loans
28.31%Net loans and leases to deposits
78.21%Net loans and leases to core deposits
175.16%Equity capital to assets
0.43%Core capital (leverage) ratio
0.41%Tier 1 risk-based capital ratio
0.51%Total risk-based capital ratio
Memoranda
$1Average assets
$182,418Average earning assets
$5,165Average equity
$168,346Average loans
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