American Eagle Bank of Chicago in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

American Eagle Bank of Chicago - Overview

  • General
  • FDIC Certificate #: 58514
    Status: Active
    Federal Reserve ID: 3559714
    Bank Holding Company (Regulatory Top Holder): Orchid Financial Bancorp, Inc. (RSSDID: 3116498, Location: South Elgin, IL)
    Date Established: April 16, 2007
    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 #: 455080
    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: April 16, 2007
    Last Structure Change Effective Date: July 02, 2009
    Last Structure Change Process Date: July 02, 2009
    Last Data Update: July 02, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 2255 N. Western Avenue, Chicago, IL 60661
    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)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $68.0 mil
    Equity capital: $7.7 mil
    Deposits held in domestic offices: $59.5 mil
    Return on assets (ROA): -0.16% (-$0.1 mil)
    Quarterly return on assets: -0.31% (-$0.2 mil)
    Return on Equity (ROE): -1.49% (-$0.1 mil)
    Quarterly return on equity: -2.80% (-$0.2 mil)
    Net income: -$0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -0.28% (-$190.3 mil)
    Quarterly Pretax return on assets: -0.50% (-$339.9 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
  • 7Total employees (full-time equivalent)
  • $67,975Total assets
  • $4,267Cash and due from depository institutions
  • $3,167Interest-bearing balances
  • $0Securities
  • $3,700Federal funds sold & reverse repurchase agreements
  • $50,878Net loans & leases
  • $764Loan loss allowance
  • $0Trading account assets
  • $5,023Bank premises and fixed assets
  • $1,111Other real estate owned
  • $0Goodwill and other intangibles
  • $67,975Life insurance assets
  • $2,996All other assets
  • $60,298Total liabilities and capital
  • $59,513Total liabilities
  • $58,301Total deposits
  • $59,513Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $785Subordinated debt
  • $7,677All other liabilities
  • $7,677Total equity capital
  • $7,677Total bank equity capital
  • $0Perpetual preferred stock
  • $10Common stock
  • $8,890Surplus
  • $-1,223Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,571Income earned, not collected on loans
  • $0Earning assets
  • $315Long-term assets (5+ years)
  • $57,745Average Assets, year-to-date
  • $8,243Average Assets, quarterly
  • $69,156Volatile liabilities
  • $69,164Insider loans
  • $56,998FHLB advances
  • $69,249Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,914Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,484Restructured Loans and leases
  • $1,121Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,288Total interest income
  • $1,494Total interest expense
  • $1,794Net interest income
  • $328Provision for loan and lease losses
  • $21Total noninterest income
  • $0Fiduciary activities
  • $12Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9Additional noninterest income
  • $1,684Total noninterest expense
  • $905Salaries and employee benefits
  • $191Premises and equipment expense
  • $588Additional noninterest expense
  • -$197Pre-tax net operating income
  • $0Securities gains (losses)
  • -$85Applicable income taxes
  • -$112Income before extraordinary items
  • $0Extraordinary gains - net
  • -$112Net income attributable to bank
  • $0Net charge-offs
  • -$112Cash dividends
  • $849Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.53%Yield on earning assets
  • 2.51%Cost of funding earning assets
  • 3.02%Net interest margin
  • 0.04%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • -0.16%Net operating income to assets
  • -0.16%Return on assets (ROA)
  • -0.28%Pretax return on assets
  • -1.49%Return on equity (ROE)
  • -1.49%Retained earnings to average equity (YTD only)
  • 1.57%Net charge-offs to loans
  • 38.63%Credit loss provision to net charge-offs
  • 0.15%Efficiency ratio
  • 92,782Assets per employee
  • 9.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.48%Loss allowance to noncurrent loans
  • 48.63%Noncurrent assets plus other real estate owned to assets
  • 3.95%Noncurrent loans to loans
  • 3.04%Net loans and leases to deposits
  • 85.49%Net loans and leases to core deposits
  • 114.96%Equity capital to assets
  • 11.29%Core capital (leverage) ratio
  • 9.98%Tier 1 risk-based capital ratio
  • 12.13%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $69,156Average earning assets
  • $7,524Average equity
  • $59,461Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0455080American Eagle Bank Of Chicago2255 N. Western Avenue, Chicago, IL 60661April 16, 2007Full Service Brick and Mortar

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