Citizens Bank and Trust Company of Chicago in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 23, 2010

  • Citizens Bank and Trust Company of Chicago in Chicago, Illinois (IL)
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Citizens Bank and Trust Company of Chicago - Overview

  • General
  • FDIC Certificate #: 34658
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Republic Bank of Chicago (#19333)
    Federal Reserve ID: 2634735
    Date Established: January 31, 2000
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 61035
    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: January 31, 2000
    Last Structure Change Effective Date: April 23, 2010
    Last Structure Change Process Date: April 26, 2010
    Last Data Update: April 26, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 5700 North Central Avenue, Chicago, IL 60646
    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
  • Absorption - Assisted
  • Financial Summary
  • Total assets: $73.5 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, 2009)

  • Dollar figures in thousands
  • 20Total employees (full-time equivalent)
  • $76,925Total assets
  • $12,687Cash and due from depository institutions
  • $12,155Interest-bearing balances
  • $641Securities
  • $344Federal funds sold & reverse repurchase agreements
  • $59,476Net loans & leases
  • $1,895Loan loss allowance
  • $0Trading account assets
  • $773Bank premises and fixed assets
  • $2,631Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $373All other assets
  • $76,925Total liabilities and capital
  • $74,914Total liabilities
  • $74,519Total deposits
  • $68,916Interest-bearing deposits
  • $74,519Deposits held in domestic offices
  • 96.68%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $395All other liabilities
  • $2,011Total equity capital
  • $2,011Total bank equity capital
  • $2,011Perpetual preferred stock
  • $0Common stock
  • $122Surplus
  • $8,155Undivided profits
  • Memoranda
  • $-6,266Noncurrent loans and leases
  • $1,239Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $18,668Earning assets
  • $0Long-term assets (5+ years)
  • $296Average Assets, year-to-date
  • $72,616Average Assets, quarterly
  • $1,024Volatile liabilities
  • $80,589Insider loans
  • $78,640FHLB advances
  • $19,278Loans and leases held for sale
  • $1,071Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,239Total unused commitments
  • $1,850Restructured Loans and leases
  • $761Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $3,901Total interest income
  • $2,251Total interest expense
  • $1,650Net interest income
  • $1,550Provision for loan and lease losses
  • $1,435Total noninterest income
  • $0Fiduciary activities
  • $584Service charges on deposit accounts
  • $0Trading account gains & fees
  • $851Additional noninterest income
  • $3,499Total noninterest expense
  • $1,480Salaries and employee benefits
  • $620Premises and equipment expense
  • $1,399Additional noninterest expense
  • -$1,964Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$1,964Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,964Net income attributable to bank
  • $0Net charge-offs
  • -$1,964Cash dividends
  • $1,386Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.27%Yield on earning assets
  • 3.04%Cost of funding earning assets
  • 2.23%Net interest margin
  • 1.94%Noninterest income to earning assets
  • 4.72%Noninterest expense to earning assets
  • -2.44%Net operating income to assets
  • -2.44%Return on assets (ROA)
  • -2.44%Pretax return on assets
  • -55.00%Return on equity (ROE)
  • -55.00%Retained earnings to average equity (YTD only)
  • 2.20%Net charge-offs to loans
  • 111.83%Credit loss provision to net charge-offs
  • -0.30%Efficiency ratio
  • 113,420Assets per employee
  • 3.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.09%Loss allowance to noncurrent loans
  • 10.15%Noncurrent assets plus other real estate owned to assets
  • 27.69%Noncurrent loans to loans
  • 30.42%Net loans and leases to deposits
  • 79.81%Net loans and leases to core deposits
  • 107.67%Equity capital to assets
  • 2.61%Core capital (leverage) ratio
  • 2.50%Tier 1 risk-based capital ratio
  • 3.36%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $80,589Average earning assets
  • $3,571Average equity
  • $74,061Average loans

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