First Bank of Highland Park in Highland Park, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


First Bank of Highland Park - Overview

  • General
  • FDIC Certificate #: 17470
    Status: Active
    Federal Reserve ID: 804338
    Bank Holding Company (Regulatory Top Holder): Bank Of Highland Park Financial Corporation (RSSDID: 1205398, Location: Highland Park, IL)
    Date Established: July 16, 1955
    WWW: http://www.firstbankhp.com
    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 #: 11457
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: July 16, 1955
    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: 1835 First Street, Highland Park, IL 60035
    County: Lake
    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: Lake County-Kenosha County, IL-WI (#29404)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,085.3 mil
    Equity capital: $128.4 mil
    Deposits held in domestic offices: $929.3 mil
    Return on assets (ROA): 0.41% ($4.4 mil)
    Quarterly return on assets: 0.51% ($5.5 mil)
    Return on Equity (ROE): 3.66% ($4.7 mil)
    Quarterly return on equity: 4.38% ($5.6 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 0.41% ($4,449.7 mil)
    Quarterly Pretax return on assets: 0.51% ($5,535.0 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
  • 76Total employees (full-time equivalent)
  • $1,085,293Total assets
  • $142,702Cash and due from depository institutions
  • $122,317Interest-bearing balances
  • $92,459Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $821,105Net loans & leases
  • $11,776Loan loss allowance
  • $0Trading account assets
  • $2,129Bank premises and fixed assets
  • $8,222Other real estate owned
  • $0Goodwill and other intangibles
  • $1,085,293Life insurance assets
  • $18,676All other assets
  • $956,849Total liabilities and capital
  • $929,258Total liabilities
  • $864,442Total deposits
  • $929,258Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 7470.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $14,250Trading liabilities
  • $0Other borrowed funds
  • $5,871Subordinated debt
  • $128,444All other liabilities
  • $128,444Total equity capital
  • $128,444Total bank equity capital
  • $0Perpetual preferred stock
  • $1,750Common stock
  • $46,905Surplus
  • $79,789Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,949Income earned, not collected on loans
  • $0Earning assets
  • $3,471Long-term assets (5+ years)
  • $1,035,881Average Assets, year-to-date
  • $112,334Average Assets, quarterly
  • $1,099,229Volatile liabilities
  • $1,091,340Insider loans
  • $959,387FHLB advances
  • $1,080,574Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $124,223Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $184,493Restructured Loans and leases
  • $25,057Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $46,243Total interest income
  • $16,578Total interest expense
  • $29,665Net interest income
  • $8,250Provision for loan and lease losses
  • $411Total noninterest income
  • $0Fiduciary activities
  • $308Service charges on deposit accounts
  • $0Trading account gains & fees
  • $103Additional noninterest income
  • $17,604Total noninterest expense
  • $9,028Salaries and employee benefits
  • $1,285Premises and equipment expense
  • $7,291Additional noninterest expense
  • $4,222Pre-tax net operating income
  • $279Securities gains (losses)
  • $0Applicable income taxes
  • $4,501Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,501Net income attributable to bank
  • $0Net charge-offs
  • $4,501Cash dividends
  • $10,670Sale, conversion, retirement of capital stock, net
  • $2,611Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.39%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 2.82%Net interest margin
  • 0.04%Noninterest income to earning assets
  • 1.67%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.41%Pretax return on assets
  • 3.66%Return on equity (ROE)
  • 1.54%Retained earnings to average equity (YTD only)
  • 1.21%Net charge-offs to loans
  • 77.32%Credit loss provision to net charge-offs
  • 1.17%Efficiency ratio
  • 58,532Assets per employee
  • 14.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.01%Loss allowance to loans
  • 1.41%Loss allowance to noncurrent loans
  • 197.95%Noncurrent assets plus other real estate owned to assets
  • 1.31%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 88.36%Net loans and leases to core deposits
  • 128.84%Equity capital to assets
  • 11.83%Core capital (leverage) ratio
  • 11.50%Tier 1 risk-based capital ratio
  • 12.95%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,099,229Average earning assets
  • $122,922Average equity
  • $1,053,260Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011457First Bank Of Highland Park1835 First Street, Highland Park, IL 60035July 16, 1955Full Service Brick and Mortar
    1451793Northbrook Branch633 Skokie Boulevard, Northbrook, IL 60062September 16, 2004Full Service Brick and Mortar

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