FDIC Certificate #: 30017 Status: Inactive Closing history: Change in Primary Regulatory Agency Acquiring institution:MB Financial Bank, National Association (#3628) Federal Reserve ID: 731377 Date Established: January 01, 1926 WWW:http://www.1stsecfed.com Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 5 (Interstate: No) OTS Docket #: 4555 FDIC's unique #: 42851 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Savings Association Insurance Fund (SAIF) Insured commercial Banks: Yes FDIC Insured: Yes SAIF Insured: Yes State Chartered: No Date of Deposit Insurance: May 16, 1967 Last Structure Change Effective Date: July 22, 2004 Last Structure Change Process Date: August 04, 2004 Last Data Update: August 04, 2004 Data Source Date: April 05, 2012
Location
Address: 936 North Western Avenue, Chicago, IL 60622 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
Merger - Without Assistance
Name Change
Change in Primary Regulatory Agency
Financial Summary
Total assets: $558.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2003)
Dollar figures in thousands
89Total employees (full-time equivalent)
$486,440Total assets
$11,900Cash and due from depository institutions
$3,909Interest-bearing balances
$140,196Securities
$2,300Federal funds sold & reverse repurchase agreements
$303,986Net loans & leases
$3,033Loan loss allowance
$0Trading account assets
$4,270Bank premises and fixed assets
$0Other real estate owned
$61Goodwill and other intangibles
$0Life insurance assets
$23,727All other assets
$486,440Total liabilities and capital
$417,383Total liabilities
$316,587Total deposits
$297,260Interest-bearing deposits
$316,587Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$93,933Other borrowed funds
$0Subordinated debt
$6,863All other liabilities
$69,057Total equity capital
$69,057Total bank equity capital
$69,057Perpetual preferred stock
$0Common stock
$1Surplus
$40,007Undivided profits
Memoranda
$29,049Noncurrent loans and leases
$37,670Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,749Earning assets
$0Long-term assets (5+ years)
$2,866Average Assets, year-to-date
$450,391Average Assets, quarterly
$0Volatile liabilities
$471,114Insider loans
$482,818FHLB advances
$173,204Loans and leases held for sale
$2,028Unused loan commitments
$93,644Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$37,670Total unused commitments
$0Restructured Loans and leases
$3,032Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$28,359Total interest income
$10,844Total interest expense
$17,515Net interest income
$120Provision for loan and lease losses
$3,134Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$3,134Additional noninterest income
$7,212Total noninterest expense
$4,843Salaries and employee benefits
$1,527Premises and equipment expense
$842Additional noninterest expense
$13,317Pre-tax net operating income
$0Securities gains (losses)
$4,735Applicable income taxes
$8,582Income before extraordinary items
$0Extraordinary gains - net
$8,582Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$25Sale, conversion, retirement of capital stock, net
$7,200Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.56%Yield on earning assets
2.51%Cost of funding earning assets
4.05%Net interest margin
0.73%Noninterest income to earning assets
1.67%Noninterest expense to earning assets
1.82%Net operating income to assets
1.82%Return on assets (ROA)
2.83%Pretax return on assets
13.04%Return on equity (ROE)
2.10%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
480.00%Credit loss provision to net charge-offs
537.48%Efficiency ratio
34,810Assets per employee
5.47%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.90%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
110.33%Noncurrent assets plus other real estate owned to assets
0.57%Noncurrent loans to loans
0.90%Net loans and leases to deposits
96.02%Net loans and leases to core deposits
128.09%Equity capital to assets
14.20%Core capital (leverage) ratio
14.07%Tier 1 risk-based capital ratio
25.69%Total risk-based capital ratio
Memoranda
$27Average assets
$471,114Average earning assets
$65,833Average equity
$432,122Average loans
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