Allied First Bank,sb in Oswego, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Allied First Bank,sb - Overview

  • General
  • FDIC Certificate #: 55130
    Status: Active
    Federal Reserve ID: 2140348
    Bank Holding Company (Regulatory Top Holder): Allied First Bancorp, Inc. (RSSDID: 3051580, Location: Oswego, IL)
    Date Established: January 03, 1994
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 119525
    Numeric code: 42
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 01, 2001
    Last Structure Change Effective Date: June 25, 2007
    Last Structure Change Process Date: September 04, 2007
    Last Data Update: September 04, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 3201 Orchard Rd, Oswego, IL 60543
    County: Kendall
    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 Location
  • Financial Summary
  • Total assets: $136.1 mil
    Equity capital: $8.4 mil
    Deposits held in domestic offices: $118.0 mil
    Return on assets (ROA): -2.89% (-$3.9 mil)
    Quarterly return on assets: 1.42% ($1.9 mil)
    Return on Equity (ROE): -45.44% (-$3.6 mil)
    Quarterly return on equity: 24.47% ($2.0 mil)
    Net income: -$4.3 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: -2.95% (-$4,016.3 mil)
    Quarterly Pretax return on assets: -1.37% (-$1,865.2 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
  • 27Total employees (full-time equivalent)
  • $136,147Total assets
  • $3,608Cash and due from depository institutions
  • $3,608Interest-bearing balances
  • $15,391Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $102,748Net loans & leases
  • $2,594Loan loss allowance
  • $0Trading account assets
  • $9,593Bank premises and fixed assets
  • $151Other real estate owned
  • $0Goodwill and other intangibles
  • $136,147Life insurance assets
  • $4,656All other assets
  • $127,701Total liabilities and capital
  • $118,013Total liabilities
  • $103,176Total deposits
  • $118,013Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,500Trading liabilities
  • $0Other borrowed funds
  • $1,188Subordinated debt
  • $8,446All other liabilities
  • $8,446Total equity capital
  • $8,446Total bank equity capital
  • $0Perpetual preferred stock
  • $608Common stock
  • $9,870Surplus
  • $-2,032Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,285Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,639Income earned, not collected on loans
  • $0Earning assets
  • $464Long-term assets (5+ years)
  • $121,747Average Assets, year-to-date
  • $57,268Average Assets, quarterly
  • $149,452Volatile liabilities
  • $138,553Insider loans
  • $93,782FHLB advances
  • $137,313Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,287Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,317Restructured Loans and leases
  • $40Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,674Total interest income
  • $2,825Total interest expense
  • $3,849Net interest income
  • $3,553Provision for loan and lease losses
  • $593Total noninterest income
  • $0Fiduciary activities
  • $229Service charges on deposit accounts
  • $0Trading account gains & fees
  • $364Additional noninterest income
  • $5,587Total noninterest expense
  • $1,820Salaries and employee benefits
  • $655Premises and equipment expense
  • $3,112Additional noninterest expense
  • -$4,698Pre-tax net operating income
  • $295Securities gains (losses)
  • -$83Applicable income taxes
  • -$4,320Income before extraordinary items
  • $0Extraordinary gains - net
  • -$4,320Net income attributable to bank
  • $0Net charge-offs
  • -$4,320Cash dividends
  • $3,262Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.12%Yield on earning assets
  • 2.17%Cost of funding earning assets
  • 2.95%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 4.29%Noninterest expense to earning assets
  • -3.08%Net operating income to assets
  • -2.89%Return on assets (ROA)
  • -2.95%Pretax return on assets
  • -45.44%Return on equity (ROE)
  • -45.44%Retained earnings to average equity (YTD only)
  • 2.90%Net charge-offs to loans
  • 108.92%Credit loss provision to net charge-offs
  • -0.35%Efficiency ratio
  • 125,777Assets per employee
  • 5.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.46%Loss allowance to noncurrent loans
  • 71.28%Noncurrent assets plus other real estate owned to assets
  • 2.78%Noncurrent loans to loans
  • 3.45%Net loans and leases to deposits
  • 87.06%Net loans and leases to core deposits
  • 103.43%Equity capital to assets
  • 6.20%Core capital (leverage) ratio
  • 6.04%Tier 1 risk-based capital ratio
  • 8.84%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $149,452Average earning assets
  • $9,508Average equity
  • $130,346Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0119525Allied First Bank,sb3201 Orchard Rd, Oswego, IL 60543January 03, 1994Full Service Brick and Mortar

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