Edgebrook Bank in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Edgebrook Bank - Overview

  • General
  • FDIC Certificate #: 57772
    Status: Active
    Federal Reserve ID: 3339925
    Bank Holding Company (Regulatory Top Holder): Edgebrook Bancorp, Inc. (RSSDID: 3341469, Location: Chicago, IL)
    Date Established: May 09, 2005
    WWW: http://www.edgebrookbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 424232
    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: May 09, 2005
    Last Structure Change Effective Date: September 06, 2011
    Last Structure Change Process Date: September 06, 2011
    Last Data Update: September 06, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 6000 West Touhy 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)
  • Financial Summary
  • Total assets: $92.6 mil
    Equity capital: $5.2 mil
    Deposits held in domestic offices: $87.2 mil
    Return on assets (ROA): 0.44% ($0.4 mil)
    Quarterly return on assets: 0.29% ($0.3 mil)
    Return on Equity (ROE): 8.46% ($0.4 mil)
    Quarterly return on equity: 5.21% ($0.3 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.44% ($407.4 mil)
    Quarterly Pretax return on assets: 0.29% ($268.5 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, 2011)

  • Dollar figures in thousands
  • 16Total employees (full-time equivalent)
  • $92,596Total assets
  • $10,386Cash and due from depository institutions
  • $9,509Interest-bearing balances
  • $5,601Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $74,931Net loans & leases
  • $2,089Loan loss allowance
  • $0Trading account assets
  • $547Bank premises and fixed assets
  • $811Other real estate owned
  • $0Goodwill and other intangibles
  • $92,597Life insurance assets
  • $320All other assets
  • $87,409Total liabilities and capital
  • $87,197Total liabilities
  • $84,852Total deposits
  • $87,197Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $212Subordinated debt
  • $5,188All other liabilities
  • $5,188Total equity capital
  • $5,188Total bank equity capital
  • $0Perpetual preferred stock
  • $750Common stock
  • $11,294Surplus
  • $-6,856Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,610Income earned, not collected on loans
  • $0Earning assets
  • $171Long-term assets (5+ years)
  • $90,041Average Assets, year-to-date
  • $6,786Average Assets, quarterly
  • $91,913Volatile liabilities
  • $92,809Insider loans
  • $54,789FHLB advances
  • $93,590Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,119Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,311Restructured Loans and leases
  • $2,868Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,521Total interest income
  • $1,370Total interest expense
  • $3,151Net interest income
  • $400Provision for loan and lease losses
  • $665Total noninterest income
  • $0Fiduciary activities
  • $56Service charges on deposit accounts
  • $0Trading account gains & fees
  • $609Additional noninterest income
  • $3,010Total noninterest expense
  • $1,270Salaries and employee benefits
  • $252Premises and equipment expense
  • $1,488Additional noninterest expense
  • $406Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $406Income before extraordinary items
  • $0Extraordinary gains - net
  • $406Net income attributable to bank
  • $0Net charge-offs
  • $406Cash dividends
  • $373Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.07%Yield on earning assets
  • 1.54%Cost of funding earning assets
  • 3.54%Net interest margin
  • 0.75%Noninterest income to earning assets
  • 3.38%Noninterest expense to earning assets
  • 0.44%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 8.46%Return on equity (ROE)
  • 8.46%Retained earnings to average equity (YTD only)
  • 0.48%Net charge-offs to loans
  • 107.24%Credit loss provision to net charge-offs
  • 2.16%Efficiency ratio
  • 78,878Assets per employee
  • 5.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.71%Loss allowance to noncurrent loans
  • 27.45%Noncurrent assets plus other real estate owned to assets
  • 9.09%Noncurrent loans to loans
  • 9.88%Net loans and leases to deposits
  • 85.93%Net loans and leases to core deposits
  • 90.64%Equity capital to assets
  • 5.60%Core capital (leverage) ratio
  • 5.47%Tier 1 risk-based capital ratio
  • 9.34%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $91,913Average earning assets
  • $4,798Average equity
  • $89,115Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0424232Edgebrook Bank6000 West Touhy Avenue, Chicago, IL 60646May 09, 2005Full Service Brick and Mortar

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