Baytree National Bank & Trust Company in Lake Forest, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Baytree National Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 35431
    Status: Active
    Federal Reserve ID: 2868259
    Bank Holding Company (Regulatory Top Holder): Eb Financial Group, Inc. (RSSDID: 3982497, Location: Lake Forest, IL)
    Date Established: October 11, 2000
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 80029
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: October 11, 2000
    Last Structure Change Effective Date: December 21, 2011
    Last Structure Change Process Date: January 03, 2012
    Last Data Update: January 03, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 664 N. Western Avenue, Lake Forest, IL 60045
    County: Lake
    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: Lake County-Kenosha County, IL-WI (#29404)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $221.6 mil
    Equity capital: $8.0 mil
    Deposits held in domestic offices: $202.3 mil
    Return on assets (ROA): -3.41% (-$7.6 mil)
    Quarterly return on assets: -3.38% (-$7.5 mil)
    Return on Equity (ROE): -70.50% (-$5.6 mil)
    Quarterly return on equity: -96.19% (-$7.7 mil)
    Net income: -$7.2 mil
    Quarterly Net income: -$1.8 mil
    Pretax return on assets: -3.41% (-$7,555.6 mil)
    Quarterly Pretax return on assets: -3.38% (-$7,489.2 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
  • 78Total employees (full-time equivalent)
  • $221,573Total assets
  • $25,349Cash and due from depository institutions
  • $20,928Interest-bearing balances
  • $6,998Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $170,540Net loans & leases
  • $2,770Loan loss allowance
  • $0Trading account assets
  • $9,719Bank premises and fixed assets
  • $6,828Other real estate owned
  • $0Goodwill and other intangibles
  • $221,574Life insurance assets
  • $2,139All other assets
  • $209,114Total liabilities and capital
  • $202,332Total liabilities
  • $180,551Total deposits
  • $202,332Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $6,782Subordinated debt
  • $12,460All other liabilities
  • $8,016Total equity capital
  • $8,016Total bank equity capital
  • $0Perpetual preferred stock
  • $4,390Common stock
  • $15,049Surplus
  • $-11,423Undivided profits
  • Memoranda
  • $4,444Noncurrent loans and leases
  • $17,634Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,332Income earned, not collected on loans
  • $0Earning assets
  • $174Long-term assets (5+ years)
  • $198,466Average Assets, year-to-date
  • $29,712Average Assets, quarterly
  • $212,413Volatile liabilities
  • $214,848Insider loans
  • $178,977FHLB advances
  • $218,908Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,472Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,297Restructured Loans and leases
  • $2,520Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,807Total interest income
  • $3,577Total interest expense
  • $8,230Net interest income
  • $5,497Provision for loan and lease losses
  • $7,235Total noninterest income
  • $8Fiduciary activities
  • $132Service charges on deposit accounts
  • $0Trading account gains & fees
  • $7,095Additional noninterest income
  • $14,411Total noninterest expense
  • $7,839Salaries and employee benefits
  • $1,475Premises and equipment expense
  • $5,097Additional noninterest expense
  • -$4,443Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$4,443Income before extraordinary items
  • $0Extraordinary gains - net
  • -$7,234Net income attributable to bank
  • $2,791Net charge-offs
  • -$4,443Cash dividends
  • $4,811Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.15%Yield on earning assets
  • 1.86%Cost of funding earning assets
  • 4.29%Net interest margin
  • 3.77%Noninterest income to earning assets
  • 7.51%Noninterest expense to earning assets
  • -2.09%Net operating income to assets
  • -3.41%Return on assets (ROA)
  • -3.41%Pretax return on assets
  • -70.50%Return on equity (ROE)
  • -70.50%Retained earnings to average equity (YTD only)
  • 3.02%Net charge-offs to loans
  • 114.26%Credit loss provision to net charge-offs
  • 0.22%Efficiency ratio
  • 93,185Assets per employee
  • 2.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.60%Loss allowance to noncurrent loans
  • 20.78%Noncurrent assets plus other real estate owned to assets
  • 9.10%Noncurrent loans to loans
  • 7.69%Net loans and leases to deposits
  • 84.29%Net loans and leases to core deposits
  • 100.32%Equity capital to assets
  • 3.62%Core capital (leverage) ratio
  • 5.70%Tier 1 risk-based capital ratio
  • 6.97%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $212,413Average earning assets
  • $10,260Average equity
  • $191,891Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $723Managed Assets
  • 1Number of Accounts
  • $723Personal trust and agency accounts
  • $723Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

Bank Assets Sold and Securitized (December 31, 2004)

  • Dollar figures in thousands
  • Principal balance with servicing or other recourse retained
  • $5,0501-4 family residential loans
  • $0Home equity lines
  • $0Credit cards receivables
  • $0Auto loans
  • $0Other consumer loans
  • $68,853Commercial and industrial loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    080029Baytree National Bank & Trust Compan664 N. Western Avenue, Lake Forest, IL 60045October 11, 2000Full Service Brick and Mortar
    2422522Deerpath Branch664 N Western Ave, Lake Forest, IL 60045August 01, 2002Full Service Brick and Mortar
    3422523Lake Bluff Branch4 East Scranton Avenue, Lake Bluff, IL 60044December 19, 2002Full Service Brick and Mortar

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