University National Bank in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 05, 2006

  • University National Bank in Chicago, Illinois (IL)
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University National Bank - Overview

  • General
  • FDIC Certificate #: 1793
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BankFinancial, FSB (#28808)
    Federal Reserve ID: 218832
    Date Established: May 19, 1919
    WWW: http://www.uninatbk.com
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 1190
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 05, 2006
    Last Structure Change Process Date: April 14, 2006
    Last Data Update: April 14, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1354 East 55th Street, Chicago, IL 60615
    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: $109.8 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, 2005)

  • Dollar figures in thousands
  • 34Total employees (full-time equivalent)
  • $110,904Total assets
  • $4,390Cash and due from depository institutions
  • $350Interest-bearing balances
  • $84,081Securities
  • $2,865Federal funds sold & reverse repurchase agreements
  • $17,823Net loans & leases
  • $212Loan loss allowance
  • $0Trading account assets
  • $751Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $994All other assets
  • $110,904Total liabilities and capital
  • $102,817Total liabilities
  • $101,656Total deposits
  • $67,548Interest-bearing deposits
  • $101,656Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $578Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $583All other liabilities
  • $8,087Total equity capital
  • $8,087Total bank equity capital
  • $8,087Perpetual preferred stock
  • $0Common stock
  • $400Surplus
  • $1,600Undivided profits
  • Memoranda
  • $6,087Noncurrent loans and leases
  • $3,436Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $32Earning assets
  • $29Long-term assets (5+ years)
  • $683Average Assets, year-to-date
  • $105,119Average Assets, quarterly
  • $15,897Volatile liabilities
  • $111,610Insider loans
  • $111,996FHLB advances
  • $8,660Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,436Total unused commitments
  • $0Restructured Loans and leases
  • $212Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $3,875Total interest income
  • $734Total interest expense
  • $3,141Net interest income
  • $0Provision for loan and lease losses
  • $751Total noninterest income
  • $0Fiduciary activities
  • $473Service charges on deposit accounts
  • $0Trading account gains & fees
  • $278Additional noninterest income
  • $2,957Total noninterest expense
  • $1,669Salaries and employee benefits
  • $350Premises and equipment expense
  • $938Additional noninterest expense
  • $935Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $935Income before extraordinary items
  • $0Extraordinary gains - net
  • $935Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $660Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.66%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 2.97%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 2.80%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 0.84%Pretax return on assets
  • 11.71%Return on equity (ROE)
  • 3.44%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 75,976Assets per employee
  • 3.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.59%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 662.50%Noncurrent assets plus other real estate owned to assets
  • 0.03%Noncurrent loans to loans
  • 0.18%Net loans and leases to deposits
  • 17.53%Net loans and leases to core deposits
  • 19.05%Equity capital to assets
  • 7.29%Core capital (leverage) ratio
  • 7.72%Tier 1 risk-based capital ratio
  • 23.99%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $111,610Average earning assets
  • $7,986Average equity
  • $105,788Average loans

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