Community Bank of Oak Park River Forest in Oak Park, Illinois (IL)

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Community Bank of Oak Park River Forest routing number info

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Community Bank of Oak Park River Forest
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)44
Total assets$334,414
Cash and due from depository institutions$47,634
Interest-bearing balances$43,683
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$248,154
Loan loss allowance $7,449
Trading account assets$0
Bank premises and fixed assets$8,888
Other real estate owned$514
Goodwill and other intangibles$0
All other assets$5,997
Life insurance assets$334,414
Total liabilities and capital$306,576
Total liabilities$305,564
Total deposits$263,678
Interest-bearing deposits$305,564
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,012
All other liabilities $27,838
Total equity capital$27,838
Total bank equity capital$27,838
Perpetual preferred stock$0
Common stock$1,880
Undivided profits $17,588
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $8,510
Income earned, not collected on loans $25,773
Earning assets $0
Long-term assets (5+ years) $851
Average Assets, year-to-date $315,064
Average Assets, quarterly $41,383
Volatile liabilities $335,454
Insider loans $327,096
FHLB advances $250,069
Loans and leases held for sale $332,075
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $27,240
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $37,231
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,626
Total interest expense $2,390
Net interest income $11,236
Provision for loan and lease losses $780
Total noninterest income $1,222
Fiduciary activities $0
Service charges on deposit accounts $589
Trading account gains & fees $0
Additional noninterest income $633
Total noninterest expense $9,006
Salaries and employee benefits $3,780
Premises and equipment expense $1,365
Additional noninterest expense $3,861
Pre-tax net operating income $2,672
Securities gains (losses) $0
Applicable income taxes $1,025
Income before extraordinary items $1,647
Extraordinary gains - net $0
Net income attributable to bank $1,647
Net charge-offs $0
Cash dividends $1,647
Sale, conversion, retirement of capital stock, net $477
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.65%
Cost of funding earning assets 0.82%
Net interest margin 3.83%
Noninterest income to earning assets 0.42%
Noninterest expense to earning assets 3.07%
Net operating income to assets 0.49%
Return on assets (ROA) 0.49%
Pretax return on assets 0.80%
Return on equity (ROE) 6.07%
Retained earnings to average equity (YTD only) 6.07%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 163.52%
Efficiency ratio7.24%
Assets per employee$72,291
Cash dividends to net income (YTD only)7.60%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.91%
Noncurrent assets plus other real estate owned to assets 28.90%
Noncurrent loans to loans 7.86%
Net loans and leases to deposits10.08%
Net loans and leases to core deposits 81.21%
Equity capital to assets 90.14%
Core capital (leverage) ratio 8.32%
Tier 1 risk-based capital ratio 8.20%
Total risk-based capital ratio 10.89%
Average assets$12
Average earning assets$335,454
Average equity $27,137
Average loans $293,222
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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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