Community Bank-Wheaton/Glen Ellyn in Glen Ellyn, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Community Bank-Wheaton/Glen Ellyn in Glen Ellyn, Illinois (IL)
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Community Bank-Wheaton/Glen Ellyn - Overview

  • General
  • FDIC Certificate #: 33953
    Status: Active
    Federal Reserve ID: 2253725
    Bank Holding Company (Regulatory Top Holder): Community Financial Shares, Inc. (RSSDID: 2936103, Location: Glen Ellyn, IL)
    Date Established: November 21, 1994
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14726
    FDIC's unique #: 55325
    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: November 21, 1994
    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: 357 Roosevelt Road, Glen Ellyn, IL 60137
    County: Dupage
    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: $335.5 mil
    Equity capital: $18.7 mil
    Deposits held in domestic offices: $301.5 mil
    Return on assets (ROA): -0.94% (-$3.2 mil)
    Quarterly return on assets: -1.87% (-$6.3 mil)
    Return on Equity (ROE): -15.55% (-$3.0 mil)
    Quarterly return on equity: -31.75% (-$6.0 mil)
    Net income: -$3.1 mil
    Quarterly Net income: -$1.5 mil
    Pretax return on assets: -1.51% (-$5,066.7 mil)
    Quarterly Pretax return on assets: -3.24% (-$10,871.7 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, 2011)

  • Dollar figures in thousands
  • 84Total employees (full-time equivalent)
  • $335,546Total assets
  • $47,206Cash and due from depository institutions
  • $42,792Interest-bearing balances
  • $43,931Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $199,623Net loans & leases
  • $7,998Loan loss allowance
  • $0Trading account assets
  • $15,781Bank premises and fixed assets
  • $9,265Other real estate owned
  • $0Goodwill and other intangibles
  • $335,546Life insurance assets
  • $19,740All other assets
  • $316,891Total liabilities and capital
  • $301,515Total liabilities
  • $265,184Total deposits
  • $301,515Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,000Trading liabilities
  • $0Other borrowed funds
  • $2,376Subordinated debt
  • $18,655All other liabilities
  • $18,655Total equity capital
  • $18,655Total bank equity capital
  • $0Perpetual preferred stock
  • $2,821Common stock
  • $13,480Surplus
  • $2,354Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $633Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,799Income earned, not collected on loans
  • $0Earning assets
  • $1,178Long-term assets (5+ years)
  • $286,346Average Assets, year-to-date
  • $89,775Average Assets, quarterly
  • $333,593Volatile liabilities
  • $331,098Insider loans
  • $232,986FHLB advances
  • $323,288Loans and leases held for sale
  • $6,182Unused loan commitments
  • $6,182Tier 1 (core) risk-based capital
  • $11,789Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $62,558Restructured Loans and leases
  • $4,066Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,274Total interest income
  • $2,333Total interest expense
  • $10,941Net interest income
  • $5,315Provision for loan and lease losses
  • $2,415Total noninterest income
  • $0Fiduciary activities
  • $423Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,992Additional noninterest income
  • $13,180Total noninterest expense
  • $5,632Salaries and employee benefits
  • $1,378Premises and equipment expense
  • $6,170Additional noninterest expense
  • -$5,139Pre-tax net operating income
  • $104Securities gains (losses)
  • -$1,899Applicable income taxes
  • -$3,136Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,136Net income attributable to bank
  • $0Net charge-offs
  • -$3,136Cash dividends
  • $4,996Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.82%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 4.60%Noninterest expense to earning assets
  • -0.96%Net operating income to assets
  • -0.94%Return on assets (ROA)
  • -1.51%Pretax return on assets
  • -15.55%Return on equity (ROE)
  • -15.55%Retained earnings to average equity (YTD only)
  • 2.28%Net charge-offs to loans
  • 106.39%Credit loss provision to net charge-offs
  • 0.04%Efficiency ratio
  • 98,682Assets per employee
  • 3.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.85%Loss allowance to noncurrent loans
  • 57.96%Noncurrent assets plus other real estate owned to assets
  • 6.87%Noncurrent loans to loans
  • 6.65%Net loans and leases to deposits
  • 66.21%Net loans and leases to core deposits
  • 68.36%Equity capital to assets
  • 5.56%Core capital (leverage) ratio
  • 3.65%Tier 1 risk-based capital ratio
  • 5.06%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $333,593Average earning assets
  • $20,162Average equity
  • $286,257Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    055325Community Bank-Wheaton/Glen Ellyn357 Roosevelt Road, Glen Ellyn, IL 60137November 21, 1994Full Service Brick and Mortar
    1290245Wheaton Branch100 North Wheaton Avenue, Wheaton, IL 60187November 21, 1998Full Service Brick and Mortar
    2439997County Farm Road Branch370 South County Farm Road, Wheaton, IL 60187March 24, 2005Full Service Brick and Mortar
    3478988North Wheaton Office Branch1901 N Gary Avenue, Wheaton, IL 60187November 21, 2007Full Service Brick and Mortar

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