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


Beverly Bank & Trust Company, National Association - Overview

  • General
  • FDIC Certificate #: 57701
    Status: Active
    Federal Reserve ID: 3216017
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: April 01, 2004
    WWW: http://www.thebeverlybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 420280
    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: Commercial Lending Specialization
    Date of Deposit Insurance: April 01, 2004
    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: 1908 West 103rd Street, Chicago, IL 60643
    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: $382.6 mil
    Equity capital: $37.7 mil
    Deposits held in domestic offices: $343.5 mil
    Return on assets (ROA): 0.61% ($2.3 mil)
    Quarterly return on assets: 0.60% ($2.3 mil)
    Return on Equity (ROE): 6.27% ($2.4 mil)
    Quarterly return on equity: 6.12% ($2.3 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.01% ($3,863.9 mil)
    Quarterly Pretax return on assets: 0.98% ($3,749.2 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
  • 54Total employees (full-time equivalent)
  • $382,569Total assets
  • $10,414Cash and due from depository institutions
  • $7,673Interest-bearing balances
  • $17,378Securities
  • $5,288Federal funds sold & reverse repurchase agreements
  • $318,283Net loans & leases
  • $2,866Loan loss allowance
  • $0Trading account assets
  • $9,188Bank premises and fixed assets
  • $179Other real estate owned
  • $0Goodwill and other intangibles
  • $382,569Life insurance assets
  • $21,839All other assets
  • $344,891Total liabilities and capital
  • $343,497Total liabilities
  • $313,931Total deposits
  • $343,497Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,394Subordinated debt
  • $37,678All other liabilities
  • $37,678Total equity capital
  • $37,678Total bank equity capital
  • $0Perpetual preferred stock
  • $3,250Common stock
  • $33,740Surplus
  • $688Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,976Income earned, not collected on loans
  • $0Earning assets
  • $1,714Long-term assets (5+ years)
  • $348,622Average Assets, year-to-date
  • $22,202Average Assets, quarterly
  • $374,363Volatile liabilities
  • $384,917Insider loans
  • $345,615FHLB advances
  • $388,913Loans and leases held for sale
  • $1,525Unused loan commitments
  • $1,525Tier 1 (core) risk-based capital
  • $37,612Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $54,413Restructured Loans and leases
  • $355Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,964Total interest income
  • $2,768Total interest expense
  • $13,196Net interest income
  • $1,688Provision for loan and lease losses
  • $1,313Total noninterest income
  • $0Fiduciary activities
  • $444Service charges on deposit accounts
  • $0Trading account gains & fees
  • $869Additional noninterest income
  • $9,073Total noninterest expense
  • $5,079Salaries and employee benefits
  • $825Premises and equipment expense
  • $3,169Additional noninterest expense
  • $3,748Pre-tax net operating income
  • $34Securities gains (losses)
  • $1,487Applicable income taxes
  • $2,295Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,295Net income attributable to bank
  • $0Net charge-offs
  • $2,295Cash dividends
  • $1,435Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 6.27%Return on equity (ROE)
  • 6.27%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 117.63%Credit loss provision to net charge-offs
  • 3.79%Efficiency ratio
  • 62,534Assets per employee
  • 7.08%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.89%Loss allowance to noncurrent loans
  • 145.04%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.62%Net loans and leases to deposits
  • 92.66%Net loans and leases to core deposits
  • 105.43%Equity capital to assets
  • 9.85%Core capital (leverage) ratio
  • 9.67%Tier 1 risk-based capital ratio
  • 10.88%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $374,363Average earning assets
  • $36,580Average equity
  • $347,840Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0420280Beverly Bank & Trust Company, National Association1908 West 103rd Street, Chicago, IL 60643April 01, 2004Full Service Brick and Mortar

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