FDIC Certificate #: 35393 Status: Active Federal Reserve ID: 2949970 Date Established: November 24, 2000 WWW:http://www.utbhome.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 16310 FDIC's unique #: 79497 Numeric code: 33 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: November 24, 2000 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 12330 South Harlem Avenue, Palos Heights, IL 60463 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)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $44.1 mil Equity capital: $4.3 mil Deposits held in domestic offices: $39.7 mil Return on assets (ROA): -1.57% (-$0.7 mil) Quarterly return on assets: -2.10% (-$0.9 mil) Return on Equity (ROE): -14.15% (-$0.6 mil) Quarterly return on equity: -20.62% (-$0.8 mil) Net income: -$0.7 mil Quarterly Net income: -$0.2 mil Pretax return on assets: -1.57% (-$691.9 mil) Quarterly Pretax return on assets: -2.10% (-$925.5 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
12Total employees (full-time equivalent)
$44,071Total assets
$9,087Cash and due from depository institutions
$1,497Interest-bearing balances
$2,044Securities
$1,050Federal funds sold & reverse repurchase agreements
$24,429Net loans & leases
$313Loan loss allowance
$0Trading account assets
$3,200Bank premises and fixed assets
$3,911Other real estate owned
$0Goodwill and other intangibles
$44,071Life insurance assets
$350All other assets
$39,789Total liabilities and capital
$39,657Total liabilities
$36,675Total deposits
$39,657Interest-bearing deposits
$93Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$132Subordinated debt
$4,282All other liabilities
$4,282Total equity capital
$4,282Total bank equity capital
$0Perpetual preferred stock
$12,768Common stock
$0Surplus
$-8,486Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,334Income earned, not collected on loans
$0Earning assets
$105Long-term assets (5+ years)
$29,020Average Assets, year-to-date
$0Average Assets, quarterly
$42,002Volatile liabilities
$43,215Insider loans
$29,778FHLB advances
$44,057Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,268Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,240Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,621Total interest income
$435Total interest expense
$1,186Net interest income
$200Provision for loan and lease losses
$70Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$70Additional noninterest income
$1,717Total noninterest expense
$892Salaries and employee benefits
$375Premises and equipment expense
$450Additional noninterest expense
-$661Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
-$661Income before extraordinary items
$0Extraordinary gains - net
-$661Net income attributable to bank
$0Net charge-offs
-$661Cash dividends
$85Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.39%Yield on earning assets
1.45%Cost of funding earning assets
3.94%Net interest margin
0.23%Noninterest income to earning assets
5.71%Noninterest expense to earning assets
-1.57%Net operating income to assets
-1.57%Return on assets (ROA)
-1.57%Pretax return on assets
-14.15%Return on equity (ROE)
-14.15%Retained earnings to average equity (YTD only)
0.34%Net charge-offs to loans
235.29%Credit loss provision to net charge-offs
-5.42%Efficiency ratio
136,704Assets per employee
3.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
23.46%Noncurrent assets plus other real estate owned to assets
11.90%Noncurrent loans to loans
5.39%Net loans and leases to deposits
61.60%Net loans and leases to core deposits
66.96%Equity capital to assets
9.72%Core capital (leverage) ratio
9.69%Tier 1 risk-based capital ratio
14.33%Total risk-based capital ratio
Memoranda
$15Average assets
$42,002Average earning assets
$4,671Average equity
$30,096Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
79497
United Trust Bank
12330 South Harlem Avenue, Palos Heights, IL 60463
November 24, 2000
Full Service Brick and Mortar
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