AmericaUnited Bank and Trust Company USA in Schaumburg, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 20, 2011

AmericaUnited Bank and Trust Company USA - Overview

  • General
  • FDIC Certificate #: 19418
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: American Midwest Bank (#21272)
    Federal Reserve ID: 397447
    Date Established: April 30, 1965
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 13101
    FDIC's unique #: 13221
    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 30, 1965
    Last Structure Change Effective Date: November 20, 2011
    Last Structure Change Process Date: December 12, 2011
    Last Data Update: December 12, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 321 West Golf Road, Schaumburg, IL 60196
    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: $282.6 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
  • 68Total employees (full-time equivalent)
  • $303,221Total assets
  • $32,851Cash and due from depository institutions
  • $29,988Interest-bearing balances
  • $28,921Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $219,711Net loans & leases
  • $8,080Loan loss allowance
  • $0Trading account assets
  • $7,237Bank premises and fixed assets
  • $4,609Other real estate owned
  • $1,775Goodwill and other intangibles
  • $27Life insurance assets
  • $8,117All other assets
  • $303,221Total liabilities and capital
  • $271,257Total liabilities
  • $269,870Total deposits
  • $234,591Interest-bearing deposits
  • $269,870Deposits held in domestic offices
  • 95.91%% insured (estimated)
  • $245Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,142All other liabilities
  • $31,964Total equity capital
  • $31,964Total bank equity capital
  • $31,964Perpetual preferred stock
  • $0Common stock
  • $821Surplus
  • $31,697Undivided profits
  • Memoranda
  • $-554Noncurrent loans and leases
  • $30,722Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $27,306Earning assets
  • $0Long-term assets (5+ years)
  • $1,052Average Assets, year-to-date
  • $278,620Average Assets, quarterly
  • $23,531Volatile liabilities
  • $319,117Insider loans
  • $315,173FHLB advances
  • $57,412Loans and leases held for sale
  • $35Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $30,722Total unused commitments
  • $617Restructured Loans and leases
  • $2,767Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $14,128Total interest income
  • $3,241Total interest expense
  • $10,887Net interest income
  • $4,929Provision for loan and lease losses
  • $803Total noninterest income
  • $11Fiduciary activities
  • $698Service charges on deposit accounts
  • $0Trading account gains & fees
  • $94Additional noninterest income
  • $8,716Total noninterest expense
  • $3,570Salaries and employee benefits
  • $1,167Premises and equipment expense
  • $3,979Additional noninterest expense
  • -$1,955Pre-tax net operating income
  • $614Securities gains (losses)
  • -$52Applicable income taxes
  • -$1,289Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,289Net income attributable to bank
  • $0Net charge-offs
  • -$1,289Cash dividends
  • $6,048Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.81%Yield on earning assets
  • 1.10%Cost of funding earning assets
  • 3.70%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • -0.59%Net operating income to assets
  • -0.40%Return on assets (ROA)
  • -0.42%Pretax return on assets
  • -3.92%Return on equity (ROE)
  • -5.13%Retained earnings to average equity (YTD only)
  • 2.55%Net charge-offs to loans
  • 81.50%Credit loss provision to net charge-offs
  • 0.49%Efficiency ratio
  • 70,599Assets per employee
  • 4.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -31.03%Loss allowance to loans
  • 3.55%Loss allowance to noncurrent loans
  • 29.59%Noncurrent assets plus other real estate owned to assets
  • 10.53%Noncurrent loans to loans
  • 11.99%Net loans and leases to deposits
  • 81.41%Net loans and leases to core deposits
  • 103.29%Equity capital to assets
  • 10.54%Core capital (leverage) ratio
  • 9.12%Tier 1 risk-based capital ratio
  • 13.35%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $319,117Average earning assets
  • $32,906Average equity
  • $293,850Average loans

Total Fiduciary and Related Assets (December 31, 2003)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $99Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $99Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

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