Belmont Bank & Trust Company in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Belmont Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 58165
    Status: Active
    Federal Reserve ID: 3391718
    Bank Holding Company (Regulatory Top Holder): Belmont Financial Group, Inc. (RSSDID: 3391727, Location: Chicago, IL)
    Date Established: June 14, 2006
    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 #: 441083
    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: June 14, 2006
    Last Structure Change Effective Date: January 02, 2008
    Last Structure Change Process Date: June 23, 2008
    Last Data Update: June 23, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 8250 West Belmont Avenue, Chicago, IL 60634
    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: $177.5 mil
    Equity capital: $19.1 mil
    Deposits held in domestic offices: $157.8 mil
    Return on assets (ROA): 0.60% ($1.1 mil)
    Quarterly return on assets: 0.96% ($1.7 mil)
    Return on Equity (ROE): 5.70% ($1.1 mil)
    Quarterly return on equity: 9.05% ($1.7 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.78% ($1,384.3 mil)
    Quarterly Pretax return on assets: 0.99% ($1,757.1 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
  • 21Total employees (full-time equivalent)
  • $177,480Total assets
  • $7,325Cash and due from depository institutions
  • $4,690Interest-bearing balances
  • $42,478Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $120,177Net loans & leases
  • $3,319Loan loss allowance
  • $0Trading account assets
  • $3,883Bank premises and fixed assets
  • $945Other real estate owned
  • $0Goodwill and other intangibles
  • $177,480Life insurance assets
  • $2,672All other assets
  • $158,403Total liabilities and capital
  • $157,770Total liabilities
  • $130,387Total deposits
  • $157,770Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $633Subordinated debt
  • $19,077All other liabilities
  • $19,077Total equity capital
  • $19,077Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $16,265Surplus
  • $1,612Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,900Income earned, not collected on loans
  • $0Earning assets
  • $724Long-term assets (5+ years)
  • $167,345Average Assets, year-to-date
  • $48,640Average Assets, quarterly
  • $169,963Volatile liabilities
  • $178,747Insider loans
  • $113,599FHLB advances
  • $183,306Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $18,262Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,671Restructured Loans and leases
  • $5,002Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,737Total interest income
  • $1,460Total interest expense
  • $6,277Net interest income
  • $1,774Provision for loan and lease losses
  • $498Total noninterest income
  • $0Fiduciary activities
  • $380Service charges on deposit accounts
  • $0Trading account gains & fees
  • $118Additional noninterest income
  • $3,869Total noninterest expense
  • $1,459Salaries and employee benefits
  • $602Premises and equipment expense
  • $1,808Additional noninterest expense
  • $1,132Pre-tax net operating income
  • $191Securities gains (losses)
  • $308Applicable income taxes
  • $1,015Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,015Net income attributable to bank
  • $0Net charge-offs
  • $1,015Cash dividends
  • $293Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 0.92%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.31%Noninterest income to earning assets
  • 2.43%Noninterest expense to earning assets
  • 0.51%Net operating income to assets
  • 0.60%Return on assets (ROA)
  • 0.78%Pretax return on assets
  • 5.70%Return on equity (ROE)
  • 5.70%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 605.46%Credit loss provision to net charge-offs
  • 9.92%Efficiency ratio
  • 57,107Assets per employee
  • 8.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.69%Loss allowance to noncurrent loans
  • 67.73%Noncurrent assets plus other real estate owned to assets
  • 3.29%Noncurrent loans to loans
  • 3.97%Net loans and leases to deposits
  • 76.17%Net loans and leases to core deposits
  • 97.67%Equity capital to assets
  • 10.75%Core capital (leverage) ratio
  • 9.96%Tier 1 risk-based capital ratio
  • 16.08%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $169,963Average earning assets
  • $17,801Average equity
  • $159,141Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0441083Belmont Bank & Trust Company8250 West Belmont Avenue, Chicago, IL 60634June 14, 2006Full Service Brick and Mortar

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