First National Bank of Illinois in Lansing, Illinois (IL), IN
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of Illinois - Overview

  • General
  • FDIC Certificate #: 16280
    Status: Active
    Federal Reserve ID: 1017032
    Bank Holding Company (Regulatory Top Holder): First Lansing Bancorp, Inc. (RSSDID: 1209510, Location: Lansing, IL)
    Date Established: September 08, 1945
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: Yes)
    OTS Docket #: 12841
    FDIC's unique #: 10468
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 08, 1945
    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: 3256 Ridge Road, Lansing, IL 60438
    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: $376.2 mil
    Equity capital: $40.8 mil
    Deposits held in domestic offices: $333.5 mil
    Return on assets (ROA): 0.12% ($0.5 mil)
    Quarterly return on assets: 0.67% ($2.5 mil)
    Return on Equity (ROE): 1.22% ($0.5 mil)
    Quarterly return on equity: 6.52% ($2.7 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.04% ($150.5 mil)
    Quarterly Pretax return on assets: 0.94% ($3,536.3 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
  • 107Total employees (full-time equivalent)
  • $376,200Total assets
  • $22,589Cash and due from depository institutions
  • $15,051Interest-bearing balances
  • $132,316Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $178,483Net loans & leases
  • $4,221Loan loss allowance
  • $0Trading account assets
  • $12,238Bank premises and fixed assets
  • $7,954Other real estate owned
  • $1,511Goodwill and other intangibles
  • $376,200Life insurance assets
  • $21,109All other assets
  • $335,440Total liabilities and capital
  • $333,488Total liabilities
  • $287,653Total deposits
  • $333,488Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,952Subordinated debt
  • $40,760All other liabilities
  • $40,760Total equity capital
  • $40,760Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $6,800Surplus
  • $31,960Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,354Income earned, not collected on loans
  • $0Earning assets
  • $1,862Long-term assets (5+ years)
  • $325,850Average Assets, year-to-date
  • $138,360Average Assets, quarterly
  • $382,770Volatile liabilities
  • $376,360Insider loans
  • $237,249FHLB advances
  • $372,118Loans and leases held for sale
  • $9,502Unused loan commitments
  • $7,949Tier 1 (core) risk-based capital
  • $34,756Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,553Total unused commitments
  • $32,034Restructured Loans and leases
  • $9,138Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,986Total interest income
  • $3,144Total interest expense
  • $11,842Net interest income
  • $3,171Provision for loan and lease losses
  • $2,107Total noninterest income
  • $976Fiduciary activities
  • $1,050Service charges on deposit accounts
  • $0Trading account gains & fees
  • $81Additional noninterest income
  • $10,246Total noninterest expense
  • $5,171Salaries and employee benefits
  • $1,494Premises and equipment expense
  • $3,581Additional noninterest expense
  • $532Pre-tax net operating income
  • -$368Securities gains (losses)
  • -$281Applicable income taxes
  • $445Income before extraordinary items
  • $0Extraordinary gains - net
  • $445Net income attributable to bank
  • $0Net charge-offs
  • $445Cash dividends
  • $4,433Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.56%Net interest margin
  • 0.63%Noninterest income to earning assets
  • 3.08%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.12%Return on assets (ROA)
  • 0.04%Pretax return on assets
  • 1.22%Return on equity (ROE)
  • 1.22%Retained earnings to average equity (YTD only)
  • 2.22%Net charge-offs to loans
  • 71.53%Credit loss provision to net charge-offs
  • 0.84%Efficiency ratio
  • 73,453Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.31%Loss allowance to noncurrent loans
  • 34.17%Noncurrent assets plus other real estate owned to assets
  • 5.40%Noncurrent loans to loans
  • 6.76%Net loans and leases to deposits
  • 53.52%Net loans and leases to core deposits
  • 54.34%Equity capital to assets
  • 10.83%Core capital (leverage) ratio
  • 9.34%Tier 1 risk-based capital ratio
  • 14.65%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $382,770Average earning assets
  • $36,493Average equity
  • $332,343Average 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
  • $211,473Managed Assets
  • 1Number of Accounts
  • $137,713Personal trust and agency accounts
  • $85,035Employee benefit-defined contribution accounts
  • $16,615Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $7,081Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $28,982Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 666Number of Accounts
  • $0Personal trust and agency accounts
  • $7,081Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $73,760Other retirement accounts
  • $35,180Corporate trust and agency accounts
  • $5,802Other fiduciary accounts
  • $25,755Fiduciary accounts held in foreign offices

List of branches

  • 7 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010468First National Bank Of Illinois3256 Ridge Road, Lansing, IL 60438September 08, 1945Full Service Brick and Mortar
    1237833Lynwood Facility19500 Torrence Avenue, Lynwood, IL 60411July 27, 1981Full Service Brick and Mortar
    3269051Joliet-Merrycrest Branch2108 West Jefferson Street, Joliet, IL 60435June 30, 1988Full Service Brick and Mortar
    4237835Mokena Branch19860 S. Lagrange Rd, Mokena, IL 60448December 07, 1998Full Service Brick and Mortar
    5418570Shorewood Branch931 Brook Forest, Shorewood, IL 60431January 30, 2003Full Service Brick and Mortar
    6419124Plainfield Branch13600 S Route 59, Plainfield, IL 60544April 21, 2003Full Service Brick and Mortar
    7441862South Holland Branch200 W. 162nd Street, South Holland, IL 60473June 17, 2005Full Service Brick and Mortar
  • 1 Indiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    8462137First National Bank Of Illinois Bran1101 Joliet Street, Dyer, IN 46311Febuary 26, 2007Full Service Brick and Mortar

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