First Bank & Trust in Evanston, Illinois (IL)

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First Bank & Trust
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)109
Total assets$745,522
Cash and due from depository institutions$116,072
Interest-bearing balances$109,439
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$501,441
Loan loss allowance $7,906
Trading account assets$0
Bank premises and fixed assets$2,304
Other real estate owned$2,100
Goodwill and other intangibles$0
All other assets$10,640
Life insurance assets$745,522
Total liabilities and capital$683,613
Total liabilities$682,800
Total deposits$473,045
Interest-bearing deposits$682,800
Deposits held in domestic offices$74
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $813
All other liabilities $61,909
Total equity capital$61,909
Total bank equity capital$61,909
Perpetual preferred stock$0
Common stock$1,520
Undivided profits $37,798
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,821
Earning assets $0
Long-term assets (5+ years) $2,072
Average Assets, year-to-date $723,845
Average Assets, quarterly $12,947
Volatile liabilities $649,752
Insider loans $694,950
FHLB advances $586,199
Loans and leases held for sale $699,395
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $61,208
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $213,489
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $25,231
Total interest expense $2,400
Net interest income $22,831
Provision for loan and lease losses $1,775
Total noninterest income $3,472
Fiduciary activities $1,371
Service charges on deposit accounts $1,125
Trading account gains & fees $0
Additional noninterest income $976
Total noninterest expense $18,145
Salaries and employee benefits $11,237
Premises and equipment expense $2,013
Additional noninterest expense $4,895
Pre-tax net operating income $6,383
Securities gains (losses) -$54
Applicable income taxes $2,153
Income before extraordinary items $4,176
Extraordinary gains - net $0
Net income attributable to bank $4,176
Net charge-offs $0
Cash dividends $4,176
Sale, conversion, retirement of capital stock, net $1,979
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 assets4.01%
Cost of funding earning assets 0.38%
Net interest margin 3.63%
Noninterest income to earning assets 0.55%
Noninterest expense to earning assets 2.88%
Net operating income to assets 0.65%
Return on assets (ROA) 0.64%
Pretax return on assets 0.97%
Return on equity (ROE) 7.04%
Retained earnings to average equity (YTD only) 7.04%
Net charge-offs to loans 0.41%
Credit loss provision to net charge-offs 89.69%
Efficiency ratio4.12%
Assets per employee$68,985
Cash dividends to net income (YTD only)6.84%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.55%
Noncurrent assets plus other real estate owned to assets 434.16%
Noncurrent loans to loans 0.53%
Net loans and leases to deposits0.36%
Net loans and leases to core deposits 73.44%
Equity capital to assets 79.82%
Core capital (leverage) ratio 8.30%
Tier 1 risk-based capital ratio 8.75%
Total risk-based capital ratio 10.44%
Average assets$12
Average earning assets$649,752
Average equity $59,283
Average loans $628,954
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$242,750
Number of Accounts1
Personal trust and agency accounts$136,620
Employee benefit-defined contribution accounts$55,698
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$11,425
Investment management agency accounts$0
Other fiduciary accounts$69,217
Fiduciary accounts held in foreign offices$280
Non-managed Assets$0
Number of Accounts340
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$11,425
Employee benefit-defined benefit accounts$0
Other retirement accounts$106,130
Corporate trust and agency accounts$17,381
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$9,057
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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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