American Eagle Bank in South Elgin, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Eagle Bank - Overview

  • General
  • FDIC Certificate #: 57359
    Status: Active
    Federal Reserve ID: 3116519
    Bank Holding Company (Regulatory Top Holder): Orchid Financial Bancorp, Inc. (RSSDID: 3116498, Location: South Elgin, IL)
    Date Established: October 17, 2002
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 362437
    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: Consumer Lending Specialization
    Date of Deposit Insurance: October 17, 2002
    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: 556 Randall Road, South Elgin, IL 60177
    County: Kane
    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: $158.2 mil
    Equity capital: $13.5 mil
    Deposits held in domestic offices: $131.8 mil
    Return on assets (ROA): 1.02% ($1.6 mil)
    Quarterly return on assets: 0.88% ($1.4 mil)
    Return on Equity (ROE): 11.93% ($1.6 mil)
    Quarterly return on equity: 10.26% ($1.3 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.71% ($2,705.6 mil)
    Quarterly Pretax return on assets: 1.46% ($2,310.0 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
  • 23Total employees (full-time equivalent)
  • $158,222Total assets
  • $11,533Cash and due from depository institutions
  • $8,249Interest-bearing balances
  • $8,271Securities
  • $12,512Federal funds sold & reverse repurchase agreements
  • $116,322Net loans & leases
  • $1,406Loan loss allowance
  • $0Trading account assets
  • $5,560Bank premises and fixed assets
  • $821Other real estate owned
  • $808Goodwill and other intangibles
  • $158,222Life insurance assets
  • $2,395All other assets
  • $144,753Total liabilities and capital
  • $131,805Total liabilities
  • $126,793Total deposits
  • $131,805Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,900Trading liabilities
  • $0Other borrowed funds
  • $4,048Subordinated debt
  • $13,469All other liabilities
  • $13,469Total equity capital
  • $13,469Total bank equity capital
  • $0Perpetual preferred stock
  • $10Common stock
  • $10,770Surplus
  • $2,689Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,003Income earned, not collected on loans
  • $0Earning assets
  • $601Long-term assets (5+ years)
  • $145,354Average Assets, year-to-date
  • $19,638Average Assets, quarterly
  • $157,121Volatile liabilities
  • $157,894Insider loans
  • $124,240FHLB advances
  • $157,895Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $13,386Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,186Restructured Loans and leases
  • $3,260Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,231Total interest income
  • $2,396Total interest expense
  • $5,835Net interest income
  • $420Provision for loan and lease losses
  • $1,089Total noninterest income
  • $0Fiduciary activities
  • $17Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,072Additional noninterest income
  • $3,811Total noninterest expense
  • $1,975Salaries and employee benefits
  • $434Premises and equipment expense
  • $1,402Additional noninterest expense
  • $2,693Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,088Applicable income taxes
  • $1,605Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,605Net income attributable to bank
  • $0Net charge-offs
  • $1,605Cash dividends
  • $286Sale, conversion, retirement of capital stock, net
  • $1,552Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.72%Yield on earning assets
  • 1.67%Cost of funding earning assets
  • 4.06%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 11.93%Return on equity (ROE)
  • 0.39%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 146.85%Credit loss provision to net charge-offs
  • 10.88%Efficiency ratio
  • 55,040Assets per employee
  • 6.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.70%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 70.19%Noncurrent assets plus other real estate owned to assets
  • 1.78%Noncurrent loans to loans
  • 1.70%Net loans and leases to deposits
  • 88.25%Net loans and leases to core deposits
  • 107.34%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 8.48%Tier 1 risk-based capital ratio
  • 10.77%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $157,121Average earning assets
  • $13,453Average equity
  • $143,824Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0362437American Eagle Bank556 Randall Road, South Elgin, IL 60177October 17, 2002Full Service Brick and Mortar

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