Community Bank of Oak Park River Forest in Oak Park, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank of Oak Park River Forest - Overview

  • General
  • FDIC Certificate #: 34325
    Status: Active
    Federal Reserve ID: 2445052
    Bank Holding Company (Regulatory Top Holder): Oak Park River Forest Bankshares, Inc. (RSSDID: 2445098, Location: Oak Park, IL)
    Date Established: November 04, 1996
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 57084
    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 04, 1996
    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: 1001 Lake Street, Oak Park, IL 60301
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $334.4 mil
    Equity capital: $27.8 mil
    Deposits held in domestic offices: $305.6 mil
    Return on assets (ROA): 0.49% ($1.6 mil)
    Quarterly return on assets: 0.38% ($1.3 mil)
    Return on Equity (ROE): 6.07% ($1.7 mil)
    Quarterly return on equity: 4.43% ($1.2 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.80% ($2,675.3 mil)
    Quarterly Pretax return on assets: 0.61% ($2,039.9 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
  • 44Total employees (full-time equivalent)
  • $334,414Total assets
  • $47,634Cash and due from depository institutions
  • $43,683Interest-bearing balances
  • $23,227Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $248,154Net loans & leases
  • $7,449Loan loss allowance
  • $0Trading account assets
  • $8,888Bank premises and fixed assets
  • $514Other real estate owned
  • $0Goodwill and other intangibles
  • $334,414Life insurance assets
  • $5,997All other assets
  • $306,576Total liabilities and capital
  • $305,564Total liabilities
  • $263,678Total deposits
  • $305,564Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,012Subordinated debt
  • $27,838All other liabilities
  • $27,838Total equity capital
  • $27,838Total bank equity capital
  • $0Perpetual preferred stock
  • $1,880Common stock
  • $8,370Surplus
  • $17,588Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $8,510Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $25,773Income earned, not collected on loans
  • $0Earning assets
  • $851Long-term assets (5+ years)
  • $315,064Average Assets, year-to-date
  • $41,383Average Assets, quarterly
  • $335,454Volatile liabilities
  • $327,096Insider loans
  • $250,069FHLB advances
  • $332,075Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,240Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $37,231Restructured Loans and leases
  • $30,342Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,626Total interest income
  • $2,390Total interest expense
  • $11,236Net interest income
  • $780Provision for loan and lease losses
  • $1,222Total noninterest income
  • $0Fiduciary activities
  • $589Service charges on deposit accounts
  • $0Trading account gains & fees
  • $633Additional noninterest income
  • $9,006Total noninterest expense
  • $3,780Salaries and employee benefits
  • $1,365Premises and equipment expense
  • $3,861Additional noninterest expense
  • $2,672Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,025Applicable income taxes
  • $1,647Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,647Net income attributable to bank
  • $0Net charge-offs
  • $1,647Cash dividends
  • $477Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.83%Net interest margin
  • 0.42%Noninterest income to earning assets
  • 3.07%Noninterest expense to earning assets
  • 0.49%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 6.07%Return on equity (ROE)
  • 6.07%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 163.52%Credit loss provision to net charge-offs
  • 7.24%Efficiency ratio
  • 72,291Assets per employee
  • 7.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.91%Loss allowance to noncurrent loans
  • 28.90%Noncurrent assets plus other real estate owned to assets
  • 7.86%Noncurrent loans to loans
  • 10.08%Net loans and leases to deposits
  • 81.21%Net loans and leases to core deposits
  • 90.14%Equity capital to assets
  • 8.32%Core capital (leverage) ratio
  • 8.20%Tier 1 risk-based capital ratio
  • 10.89%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $335,454Average earning assets
  • $27,137Average equity
  • $293,222Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    057084Community Bank Of Oak Park River For1001 Lake Street, Oak Park, IL 60301November 04, 1996Full Service Brick and Mortar
    1364174River Forest Branch7777 West Lake Street, River Forest, IL 60305May 03, 2002Full Service Brick and Mortar

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