Cambridge Bank in Lake Zurich, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 19, 2008

  • Cambridge Bank in Lake Zurich, Illinois (IL)
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Cambridge Bank - Overview

  • General
  • FDIC Certificate #: 34161
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: INLAND BANK & TRUST (#22444)
    Federal Reserve ID: 2450711
    Date Established: April 19, 1996
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 56309
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: April 19, 1996
    Last Structure Change Effective Date: May 19, 2008
    Last Structure Change Process Date: May 23, 2008
    Last Data Update: May 23, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1100 South Rand Road, Lake Zurich, IL 60047
    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)
  • Financial Summary
  • Total assets: $473.4 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, 2007)

  • Dollar figures in thousands
  • 64Total employees (full-time equivalent)
  • $444,843Total assets
  • $12,488Cash and due from depository institutions
  • $156Interest-bearing balances
  • $61,484Securities
  • $7,417Federal funds sold & reverse repurchase agreements
  • $293,571Net loans & leases
  • $2,400Loan loss allowance
  • $0Trading account assets
  • $6,480Bank premises and fixed assets
  • $0Other real estate owned
  • $49,179Goodwill and other intangibles
  • $5,701Life insurance assets
  • $14,224All other assets
  • $444,843Total liabilities and capital
  • $360,652Total liabilities
  • $320,809Total deposits
  • $288,794Interest-bearing deposits
  • $320,809Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $25,509Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $13,000Other borrowed funds
  • $0Subordinated debt
  • $1,334All other liabilities
  • $84,191Total equity capital
  • $84,191Total bank equity capital
  • $84,191Perpetual preferred stock
  • $0Common stock
  • $3,620Surplus
  • $76,624Undivided profits
  • Memoranda
  • $3,947Noncurrent loans and leases
  • $79,953Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $9,036Earning assets
  • $0Long-term assets (5+ years)
  • $1,916Average Assets, year-to-date
  • $362,628Average Assets, quarterly
  • $71,577Volatile liabilities
  • $414,178Insider loans
  • $436,847FHLB advances
  • $103,390Loans and leases held for sale
  • $0Unused loan commitments
  • $13,000Tier 1 (core) risk-based capital
  • $13,372Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $79,953Total unused commitments
  • $1,855Restructured Loans and leases
  • $2,400Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $25,393Total interest income
  • $12,106Total interest expense
  • $13,287Net interest income
  • $400Provision for loan and lease losses
  • $1,505Total noninterest income
  • $0Fiduciary activities
  • $815Service charges on deposit accounts
  • $0Trading account gains & fees
  • $690Additional noninterest income
  • $9,062Total noninterest expense
  • $4,164Salaries and employee benefits
  • $849Premises and equipment expense
  • $4,049Additional noninterest expense
  • $5,330Pre-tax net operating income
  • $80Securities gains (losses)
  • $1,615Applicable income taxes
  • $3,795Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,795Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $215Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.52%Yield on earning assets
  • 3.59%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.45%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 0.90%Net operating income to assets
  • 0.92%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 4.71%Return on equity (ROE)
  • 4.71%Retained earnings to average equity (YTD only)
  • 0.08%Net charge-offs to loans
  • 186.05%Credit loss provision to net charge-offs
  • 26.65%Efficiency ratio
  • 61,263Assets per employee
  • 6.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 26.56%Noncurrent assets plus other real estate owned to assets
  • 2.65%Noncurrent loans to loans
  • 3.05%Net loans and leases to deposits
  • 91.51%Net loans and leases to core deposits
  • 120.85%Equity capital to assets
  • 18.93%Core capital (leverage) ratio
  • 8.64%Tier 1 risk-based capital ratio
  • 9.61%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $414,178Average earning assets
  • $80,642Average equity
  • $337,479Average loans

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