First Bank & Trust in Evanston, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Bank & Trust - Overview

  • General
  • FDIC Certificate #: 34060
    Status: Active
    Federal Reserve ID: 2333298
    Bank Holding Company (Regulatory Top Holder): First Evanston Bancorp, Inc. (RSSDID: 2339656, Location: Evanston, IL)
    Date Established: September 06, 1995
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 14013
    FDIC's unique #: 56139
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 06, 1995
    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: 820 Church Street, Evanston, IL 60201
    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: $745.5 mil
    Equity capital: $61.9 mil
    Deposits held in domestic offices: $682.8 mil
    Return on assets (ROA): 0.64% ($4.8 mil)
    Quarterly return on assets: 0.71% ($5.3 mil)
    Return on Equity (ROE): 7.04% ($4.4 mil)
    Quarterly return on equity: 8.03% ($5.0 mil)
    Net income: $4.2 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 0.97% ($7,231.6 mil)
    Quarterly Pretax return on assets: 0.89% ($6,635.1 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
  • 109Total employees (full-time equivalent)
  • $745,522Total assets
  • $116,072Cash and due from depository institutions
  • $109,439Interest-bearing balances
  • $112,965Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $501,441Net loans & leases
  • $7,906Loan loss allowance
  • $0Trading account assets
  • $2,304Bank premises and fixed assets
  • $2,100Other real estate owned
  • $0Goodwill and other intangibles
  • $745,522Life insurance assets
  • $10,640All other assets
  • $683,613Total liabilities and capital
  • $682,800Total liabilities
  • $473,045Total deposits
  • $682,800Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $813Subordinated debt
  • $61,909All other liabilities
  • $61,909Total equity capital
  • $61,909Total bank equity capital
  • $0Perpetual preferred stock
  • $1,520Common stock
  • $22,591Surplus
  • $37,798Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,821Income earned, not collected on loans
  • $0Earning assets
  • $2,072Long-term assets (5+ years)
  • $723,845Average Assets, year-to-date
  • $12,947Average Assets, quarterly
  • $649,752Volatile liabilities
  • $694,950Insider loans
  • $586,199FHLB advances
  • $699,395Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $61,208Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $213,489Restructured Loans and leases
  • $4,326Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $25,231Total interest income
  • $2,400Total interest expense
  • $22,831Net interest income
  • $1,775Provision for loan and lease losses
  • $3,472Total noninterest income
  • $1,371Fiduciary activities
  • $1,125Service charges on deposit accounts
  • $0Trading account gains & fees
  • $976Additional noninterest income
  • $18,145Total noninterest expense
  • $11,237Salaries and employee benefits
  • $2,013Premises and equipment expense
  • $4,895Additional noninterest expense
  • $6,383Pre-tax net operating income
  • -$54Securities gains (losses)
  • $2,153Applicable income taxes
  • $4,176Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,176Net income attributable to bank
  • $0Net charge-offs
  • $4,176Cash dividends
  • $1,979Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.01%Yield on earning assets
  • 0.38%Cost of funding earning assets
  • 3.63%Net interest margin
  • 0.55%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.64%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 7.04%Return on equity (ROE)
  • 7.04%Retained earnings to average equity (YTD only)
  • 0.41%Net charge-offs to loans
  • 89.69%Credit loss provision to net charge-offs
  • 4.12%Efficiency ratio
  • 68,985Assets per employee
  • 6.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.55%Loss allowance to noncurrent loans
  • 434.16%Noncurrent assets plus other real estate owned to assets
  • 0.53%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 73.44%Net loans and leases to core deposits
  • 79.82%Equity capital to assets
  • 8.30%Core capital (leverage) ratio
  • 8.75%Tier 1 risk-based capital ratio
  • 10.44%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $649,752Average earning assets
  • $59,283Average equity
  • $628,954Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $242,750Managed Assets
  • 1Number of Accounts
  • $136,620Personal trust and agency accounts
  • $55,698Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $11,425Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $69,217Other fiduciary accounts
  • $280Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 340Number of Accounts
  • $0Personal trust and agency accounts
  • $11,425Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $106,130Other retirement accounts
  • $17,381Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $9,057Fiduciary accounts held in foreign offices

List of branches

  • 7 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056139First Bank & Trust820 Church Street, Evanston, IL 60201September 06, 1995Full Service Brick and Mortar
    1294915Winnetka Branch100 Green Bay Road, Winnetka, IL 60093January 27, 2000Full Service Brick and Mortar
    2357625Central Street Branch2925 Central Street, Evanston, IL 60201June 01, 1997Full Service Brick and Mortar
    3452313Emerson Street Branch824 Emerson Street, Evanston, IL 60201Febuary 01, 2005Limited Service Facility
    4460987Skokie Branch8047 Skokie Boulevard, Skokie, IL 60077Febuary 21, 2007Full Service Brick and Mortar
    5478277Main Street Office Branch741 Main Street, Evanston, IL 60201Febuary 01, 2008Full Service Brick and Mortar
    6510543Itasca Branch1250 N. Arlington Heights Rd., Itasca, IL 60143March 01, 2010Full Service Brick and Mortar

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