CenTrust Bank, National Association in Northbrook, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • CenTrust Bank, National Association in Northbrook, Illinois (IL)
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CenTrust Bank, National Association - Overview

  • General
  • FDIC Certificate #: 58158
    Status: Active
    Federal Reserve ID: 3377235
    Bank Holding Company (Regulatory Top Holder): Commercial Bancshares Corporation (RSSDID: 4087894, Location: Northbrook, IL)
    Date Established: April 14, 2006
    WWW: http://www.centrustbank.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 #: 440820
    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 14, 2006
    Last Structure Change Effective Date: March 01, 2010
    Last Structure Change Process Date: March 10, 2010
    Last Data Update: March 10, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 385 Waukegan Road, Northbrook, IL 60062
    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: $95.5 mil
    Equity capital: $3.5 mil
    Deposits held in domestic offices: $89.7 mil
    Return on assets (ROA): -12.76% (-$12.1 mil)
    Quarterly return on assets: -9.98% (-$9.5 mil)
    Return on Equity (ROE): -201.36% (-$6.0 mil)
    Quarterly return on equity: -203.11% (-$6.1 mil)
    Net income: -$12.6 mil
    Quarterly Net income: -$2.4 mil
    Pretax return on assets: -12.76% (-$12,180.3 mil)
    Quarterly Pretax return on assets: -9.98% (-$9,526.6 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
  • 16Total employees (full-time equivalent)
  • $95,457Total assets
  • $5,396Cash and due from depository institutions
  • $4,750Interest-bearing balances
  • $13,916Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $58,041Net loans & leases
  • $5,248Loan loss allowance
  • $0Trading account assets
  • $6,390Bank premises and fixed assets
  • $10,379Other real estate owned
  • $0Goodwill and other intangibles
  • $95,457Life insurance assets
  • $1,335All other assets
  • $91,990Total liabilities and capital
  • $89,739Total liabilities
  • $83,508Total deposits
  • $89,739Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,251Subordinated debt
  • $3,467All other liabilities
  • $3,467Total equity capital
  • $3,467Total bank equity capital
  • $0Perpetual preferred stock
  • $2,930Common stock
  • $27,170Surplus
  • $-26,633Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15,036Income earned, not collected on loans
  • $0Earning assets
  • $209Long-term assets (5+ years)
  • $76,707Average Assets, year-to-date
  • $9,670Average Assets, quarterly
  • $98,568Volatile liabilities
  • $94,346Insider loans
  • $72,143FHLB advances
  • $96,045Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $3,452Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,305Restructured Loans and leases
  • $10Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,993Total interest income
  • $1,145Total interest expense
  • $1,848Net interest income
  • $7,510Provision for loan and lease losses
  • -$2Total noninterest income
  • $0Fiduciary activities
  • $89Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$91Additional noninterest income
  • $6,915Total noninterest expense
  • $1,706Salaries and employee benefits
  • $442Premises and equipment expense
  • $4,767Additional noninterest expense
  • -$12,579Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$12,579Income before extraordinary items
  • $0Extraordinary gains - net
  • -$12,579Net income attributable to bank
  • $0Net charge-offs
  • -$12,579Cash dividends
  • $7,269Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.64%Yield on earning assets
  • 1.39%Cost of funding earning assets
  • 2.25%Net interest margin
  • -0.00%Noninterest income to earning assets
  • 8.42%Noninterest expense to earning assets
  • -12.76%Net operating income to assets
  • -12.76%Return on assets (ROA)
  • -12.76%Pretax return on assets
  • -201.36%Return on equity (ROE)
  • -201.36%Retained earnings to average equity (YTD only)
  • 10.23%Net charge-offs to loans
  • 103.32%Credit loss provision to net charge-offs
  • -0.70%Efficiency ratio
  • 374,594Assets per employee
  • 5.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 8.29%Loss allowance to noncurrent loans
  • 34.90%Noncurrent assets plus other real estate owned to assets
  • 26.62%Noncurrent loans to loans
  • 23.76%Net loans and leases to deposits
  • 64.68%Net loans and leases to core deposits
  • 70.65%Equity capital to assets
  • 3.63%Core capital (leverage) ratio
  • 3.59%Tier 1 risk-based capital ratio
  • 4.78%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $98,568Average earning assets
  • $6,247Average equity
  • $82,137Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0440820Centrust Bank, National Association385 Waukegan Road, Northbrook, IL 60062April 14, 2006Full Service Brick and Mortar

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