AztecAmerica Bank in Berwyn, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

AztecAmerica Bank - Overview

  • General
  • FDIC Certificate #: 57866
    Status: Active
    Federal Reserve ID: 3358252
    Bank Holding Company (Regulatory Top Holder): Aztecamerica Bancorp, Inc. (RSSDID: 3358261, Location: Berwyn, IL)
    Date Established: September 26, 2005
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 428530
    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: September 26, 2005
    Last Structure Change Effective Date: June 20, 2008
    Last Structure Change Process Date: June 23, 2008
    Last Data Update: June 23, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 2136 South Oak Park Avenue, Berwyn, IL 60402
    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: $87.4 mil
    Equity capital: $6.3 mil
    Deposits held in domestic offices: $80.0 mil
    Return on assets (ROA): 0.68% ($0.6 mil)
    Quarterly return on assets: 2.91% ($2.5 mil)
    Return on Equity (ROE): 10.99% ($0.7 mil)
    Quarterly return on equity: 42.36% ($2.5 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.68% ($594.2 mil)
    Quarterly Pretax return on assets: 2.91% ($2,542.6 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
  • 18Total employees (full-time equivalent)
  • $87,375Total assets
  • $7,519Cash and due from depository institutions
  • $6,801Interest-bearing balances
  • $12,065Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $62,393Net loans & leases
  • $2,595Loan loss allowance
  • $0Trading account assets
  • $915Bank premises and fixed assets
  • $3,068Other real estate owned
  • $0Goodwill and other intangibles
  • $87,375Life insurance assets
  • $1,415All other assets
  • $81,043Total liabilities and capital
  • $79,991Total liabilities
  • $75,407Total deposits
  • $79,991Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,052Subordinated debt
  • $6,332All other liabilities
  • $6,332Total equity capital
  • $6,332Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $20,026Surplus
  • $-13,794Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,024Income earned, not collected on loans
  • $0Earning assets
  • $475Long-term assets (5+ years)
  • $81,259Average Assets, year-to-date
  • $17,662Average Assets, quarterly
  • $88,830Volatile liabilities
  • $87,165Insider loans
  • $65,896FHLB advances
  • $86,144Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,285Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,164Restructured Loans and leases
  • $404Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,334Total interest income
  • $1,310Total interest expense
  • $3,024Net interest income
  • -$318Provision for loan and lease losses
  • $586Total noninterest income
  • $0Fiduciary activities
  • $127Service charges on deposit accounts
  • $0Trading account gains & fees
  • $459Additional noninterest income
  • $3,981Total noninterest expense
  • $1,594Salaries and employee benefits
  • $254Premises and equipment expense
  • $2,133Additional noninterest expense
  • -$53Pre-tax net operating income
  • $653Securities gains (losses)
  • $0Applicable income taxes
  • $600Income before extraordinary items
  • $0Extraordinary gains - net
  • $600Net income attributable to bank
  • $0Net charge-offs
  • $600Cash dividends
  • $512Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 1.58%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.71%Noninterest income to earning assets
  • 4.81%Noninterest expense to earning assets
  • -0.06%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.68%Pretax return on assets
  • 10.99%Return on equity (ROE)
  • 10.99%Retained earnings to average equity (YTD only)
  • 0.76%Net charge-offs to loans
  • -62.11%Credit loss provision to net charge-offs
  • -0.72%Efficiency ratio
  • 110,277Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.99%Loss allowance to noncurrent loans
  • 28.76%Noncurrent assets plus other real estate owned to assets
  • 13.84%Noncurrent loans to loans
  • 13.89%Net loans and leases to deposits
  • 78.00%Net loans and leases to core deposits
  • 85.51%Equity capital to assets
  • 7.25%Core capital (leverage) ratio
  • 7.30%Tier 1 risk-based capital ratio
  • 9.54%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $88,830Average earning assets
  • $5,462Average equity
  • $82,737Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0428530Aztecamerica Bank2136 South Oak Park Avenue, Berwyn, IL 60402September 26, 2005Full Service Brick and Mortar
    1478892Aztecamerica Bank Branch4322 S. Ashland Ave, Chicago, IL 60609April 28, 2006Full Service Brick and Mortar

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