Community Bank of Elmhurst in Elmhurst, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Bank of Elmhurst - Overview

  • General
  • FDIC Certificate #: 33805
    Status: Active
    Federal Reserve ID: 2044820
    Bank Holding Company (Regulatory Top Holder): Community Bancshares Of Elmhurst, Inc. (RSSDID: 2066390, Location: Elmhurst, IL)
    Date Established: May 24, 1993
    WWW: http://www.communityelmhurst.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 48088
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: May 24, 1993
    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: 330 West Butterfield Road, Elmhurst, IL 60126
    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: $159.4 mil
    Equity capital: $13.2 mil
    Deposits held in domestic offices: $146.0 mil
    Return on assets (ROA): 0.25% ($0.4 mil)
    Quarterly return on assets: 0.42% ($0.7 mil)
    Return on Equity (ROE): 3.02% ($0.4 mil)
    Quarterly return on equity: 5.10% ($0.7 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.25% ($398.5 mil)
    Quarterly Pretax return on assets: 0.42% ($669.6 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
  • 30Total employees (full-time equivalent)
  • $159,418Total assets
  • $7,501Cash and due from depository institutions
  • $0Interest-bearing balances
  • $65,073Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $83,498Net loans & leases
  • $1,818Loan loss allowance
  • $0Trading account assets
  • $2,188Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $159,417Life insurance assets
  • $1,158All other assets
  • $146,192Total liabilities and capital
  • $145,951Total liabilities
  • $125,780Total deposits
  • $145,951Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $241Subordinated debt
  • $13,225All other liabilities
  • $13,225Total equity capital
  • $13,225Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $7,380Surplus
  • $3,845Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,363Income earned, not collected on loans
  • $0Earning assets
  • $512Long-term assets (5+ years)
  • $148,571Average Assets, year-to-date
  • $49,972Average Assets, quarterly
  • $160,962Volatile liabilities
  • $161,244Insider loans
  • $100,963FHLB advances
  • $161,970Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,027Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $29,415Restructured Loans and leases
  • $1,505Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,275Total interest income
  • $853Total interest expense
  • $4,422Net interest income
  • $0Provision for loan and lease losses
  • $330Total noninterest income
  • $0Fiduciary activities
  • $147Service charges on deposit accounts
  • $0Trading account gains & fees
  • $183Additional noninterest income
  • $4,357Total noninterest expense
  • $2,270Salaries and employee benefits
  • $464Premises and equipment expense
  • $1,623Additional noninterest expense
  • $395Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $395Income before extraordinary items
  • $0Extraordinary gains - net
  • $395Net income attributable to bank
  • $0Net charge-offs
  • $395Cash dividends
  • $468Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.50%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 2.94%Net interest margin
  • 0.22%Noninterest income to earning assets
  • 2.89%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 3.02%Return on equity (ROE)
  • 3.02%Retained earnings to average equity (YTD only)
  • 0.55%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.84%Efficiency ratio
  • 91,688Assets per employee
  • 5.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.13%Loss allowance to noncurrent loans
  • 54.06%Noncurrent assets plus other real estate owned to assets
  • 2.11%Noncurrent loans to loans
  • 3.94%Net loans and leases to deposits
  • 57.21%Net loans and leases to core deposits
  • 59.18%Equity capital to assets
  • 8.30%Core capital (leverage) ratio
  • 7.43%Tier 1 risk-based capital ratio
  • 11.91%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $160,962Average earning assets
  • $13,063Average equity
  • $150,509Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048088Community Bank Of Elmhurst330 West Butterfield Road, Elmhurst, IL 60126May 24, 1993Full Service Brick and Mortar
    1289895106 Schiller Street Branch106 Schiller Street, Elmhurst, IL 60126July 13, 1998Full Service Brick and Mortar
    2419950Lexington Square Branch400 W. Butterfield Rd., Elmhurst, IL 60126June 01, 2003Limited Service Mobile

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