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

  • American Metro Bank in Chicago, Illinois (IL)
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American Metro Bank - Overview

  • General
  • FDIC Certificate #: 34334
    Status: Active
    Federal Reserve ID: 2533043
    Bank Holding Company (Regulatory Top Holder): American Metro Bancorp, Inc. (RSSDID: 3272367, Location: Chicago, IL)
    Date Established: January 29, 1997
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 15967
    FDIC's unique #: 57093
    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: January 29, 1997
    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: 4878 North Broadway, Chicago, IL 60640
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $85.7 mil
    Equity capital: $4.4 mil
    Deposits held in domestic offices: $73.9 mil
    Return on assets (ROA): -3.72% (-$3.2 mil)
    Quarterly return on assets: 0.89% ($0.8 mil)
    Return on Equity (ROE): -63.93% (-$2.6 mil)
    Quarterly return on equity: 18.10% ($0.7 mil)
    Net income: -$3.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: -3.72% (-$3,189.1 mil)
    Quarterly Pretax return on assets: 0.89% ($763.0 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, 2011)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $85,728Total assets
  • $15,363Cash and due from depository institutions
  • $14,478Interest-bearing balances
  • $0Securities
  • $560Federal funds sold & reverse repurchase agreements
  • $53,207Net loans & leases
  • $2,515Loan loss allowance
  • $0Trading account assets
  • $388Bank premises and fixed assets
  • $14,000Other real estate owned
  • $0Goodwill and other intangibles
  • $85,728Life insurance assets
  • $2,210All other assets
  • $81,364Total liabilities and capital
  • $73,904Total liabilities
  • $70,009Total deposits
  • $73,904Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,174Trading liabilities
  • $0Other borrowed funds
  • $286Subordinated debt
  • $4,364All other liabilities
  • $4,364Total equity capital
  • $4,364Total bank equity capital
  • $0Perpetual preferred stock
  • $3,491Common stock
  • $6,887Surplus
  • $-6,014Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,456Income earned, not collected on loans
  • $0Earning assets
  • $208Long-term assets (5+ years)
  • $68,245Average Assets, year-to-date
  • $868Average Assets, quarterly
  • $90,360Volatile liabilities
  • $87,006Insider loans
  • $63,891FHLB advances
  • $85,650Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,504Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,752Restructured Loans and leases
  • $2,172Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,554Total interest income
  • $1,047Total interest expense
  • $2,507Net interest income
  • $2,435Provision for loan and lease losses
  • $228Total noninterest income
  • $0Fiduciary activities
  • $89Service charges on deposit accounts
  • $0Trading account gains & fees
  • $139Additional noninterest income
  • $3,657Total noninterest expense
  • $1,426Salaries and employee benefits
  • $1,034Premises and equipment expense
  • $1,197Additional noninterest expense
  • -$3,357Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$3,357Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,357Net income attributable to bank
  • $0Net charge-offs
  • -$3,357Cash dividends
  • $2,075Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.58%Yield on earning assets
  • 1.35%Cost of funding earning assets
  • 3.23%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 4.71%Noninterest expense to earning assets
  • -3.72%Net operating income to assets
  • -3.72%Return on assets (ROA)
  • -3.72%Pretax return on assets
  • -63.93%Return on equity (ROE)
  • -63.93%Retained earnings to average equity (YTD only)
  • 3.30%Net charge-offs to loans
  • 117.35%Credit loss provision to net charge-offs
  • -0.44%Efficiency ratio
  • 133,711Assets per employee
  • 4.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.51%Loss allowance to noncurrent loans
  • 29.74%Noncurrent assets plus other real estate owned to assets
  • 26.19%Noncurrent loans to loans
  • 15.18%Net loans and leases to deposits
  • 71.99%Net loans and leases to core deposits
  • 74.09%Equity capital to assets
  • 5.09%Core capital (leverage) ratio
  • 4.09%Tier 1 risk-based capital ratio
  • 5.48%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $90,360Average earning assets
  • $5,251Average equity
  • $77,650Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057093American Metro Bank4878 North Broadway, Chicago, IL 60640January 29, 1997Full Service Brick and Mortar
    1363470Chinatown Branch2144 A South Archer Avenue, Chicago, IL 60616April 01, 2002Full Service Brick and Mortar
    3454671Westmont Office Branch667 North Cass Avenue, Westmont, IL 60559Febuary 01, 2006Full Service Brick and Mortar
    4527652West Fullerton Branch4903 West Fullerton Avenue, Chicago, IL 60639June 14, 2006Full Service Brick and Mortar

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