American Community Bank in Woodstock, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Community Bank - Overview

  • General
  • FDIC Certificate #: 35412
    Status: Active
    Federal Reserve ID: 2869162
    Bank Holding Company (Regulatory Top Holder): American Community Financial, Inc. (RSSDID: 3035049, Location: Woodstock, IL)
    Date Established: March 13, 2000
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 79520
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: March 13, 2000
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1290 Lake Avenue, Woodstock, IL 60098
    County: Mchenry
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $541.6 mil
    Equity capital: $63.0 mil
    Deposits held in domestic offices: $466.6 mil
    Return on assets (ROA): 0.32% ($1.7 mil)
    Quarterly return on assets: 0.22% ($1.2 mil)
    Return on Equity (ROE): 2.88% ($1.8 mil)
    Quarterly return on equity: 1.90% ($1.2 mil)
    Net income: $1.8 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.51% ($2,762.0 mil)
    Quarterly Pretax return on assets: 0.35% ($1,895.5 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
  • 62Total employees (full-time equivalent)
  • $541,570Total assets
  • $142,228Cash and due from depository institutions
  • $137,530Interest-bearing balances
  • $4,732Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $358,673Net loans & leases
  • $7,397Loan loss allowance
  • $0Trading account assets
  • $19,045Bank premises and fixed assets
  • $12,115Other real estate owned
  • $0Goodwill and other intangibles
  • $541,570Life insurance assets
  • $4,777All other assets
  • $478,614Total liabilities and capital
  • $466,578Total liabilities
  • $404,715Total deposits
  • $466,578Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $2,036Subordinated debt
  • $62,956All other liabilities
  • $62,956Total equity capital
  • $62,956Total bank equity capital
  • $0Perpetual preferred stock
  • $955Common stock
  • $41,423Surplus
  • $20,578Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,091Income earned, not collected on loans
  • $0Earning assets
  • $1,087Long-term assets (5+ years)
  • $500,935Average Assets, year-to-date
  • $12,876Average Assets, quarterly
  • $554,807Volatile liabilities
  • $540,402Insider loans
  • $369,619FHLB advances
  • $543,287Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $62,955Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $52,167Restructured Loans and leases
  • $7,369Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,149Total interest income
  • $7,040Total interest expense
  • $15,109Net interest income
  • $4,040Provision for loan and lease losses
  • $1,700Total noninterest income
  • $0Fiduciary activities
  • $533Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,167Additional noninterest income
  • $10,268Total noninterest expense
  • $4,489Salaries and employee benefits
  • $1,822Premises and equipment expense
  • $3,957Additional noninterest expense
  • $2,501Pre-tax net operating income
  • $356Securities gains (losses)
  • $1,068Applicable income taxes
  • $1,789Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,789Net income attributable to bank
  • $0Net charge-offs
  • $1,789Cash dividends
  • $4,377Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.32%Yield on earning assets
  • 1.37%Cost of funding earning assets
  • 2.95%Net interest margin
  • 0.33%Noninterest income to earning assets
  • 2.00%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.51%Pretax return on assets
  • 2.88%Return on equity (ROE)
  • 2.88%Retained earnings to average equity (YTD only)
  • 1.16%Net charge-offs to loans
  • 92.30%Credit loss provision to net charge-offs
  • 1.49%Efficiency ratio
  • 61,086Assets per employee
  • 8.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 121.44%Noncurrent assets plus other real estate owned to assets
  • 3.36%Noncurrent loans to loans
  • 1.66%Net loans and leases to deposits
  • 76.87%Net loans and leases to core deposits
  • 116.72%Equity capital to assets
  • 11.62%Core capital (leverage) ratio
  • 11.59%Tier 1 risk-based capital ratio
  • 17.03%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $554,807Average earning assets
  • $62,137Average equity
  • $512,520Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    079520American Community Bank1290 Lake Avenue, Woodstock, IL 60098March 13, 2000Full Service Brick and Mortar
    1359291Mchenry Branch1500 State Route 31, Mchenry, IL 60050January 11, 2001Full Service Brick and Mortar
    2437878Crystal Lake Branch381 South Main Street, Crystal Lake, IL 60014Febuary 22, 2005Full Service Brick and Mortar
    3492794Huntley Branch10101 Route 47, Huntley, IL 60142December 01, 2008Full Service Brick and Mortar

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