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

First National Bank of La Grange - Overview

  • General
  • FDIC Certificate #: 13682
    Status: Active
    Federal Reserve ID: 766735
    Bank Holding Company (Regulatory Top Holder): F.N.b.c. Of La Grange, Inc. (RSSDID: 1201532, Location: La Grange, IL)
    Date Established: January 15, 1934
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13506
    FDIC's unique #: 8553
    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: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 15, 1934
    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: 620 West Burlington Street, La Grange, IL 60525
    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: $317.4 mil
    Equity capital: $28.3 mil
    Deposits held in domestic offices: $287.0 mil
    Return on assets (ROA): 1.41% ($4.5 mil)
    Quarterly return on assets: 1.89% ($6.0 mil)
    Return on Equity (ROE): 16.72% ($4.7 mil)
    Quarterly return on equity: 21.22% ($5.9 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.43% ($4,538.7 mil)
    Quarterly Pretax return on assets: 1.90% ($6,030.5 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
  • 59Total employees (full-time equivalent)
  • $317,394Total assets
  • $32,926Cash and due from depository institutions
  • $24,894Interest-bearing balances
  • $113,349Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $159,112Net loans & leases
  • $1,936Loan loss allowance
  • $0Trading account assets
  • $7,601Bank premises and fixed assets
  • $245Other real estate owned
  • $726Goodwill and other intangibles
  • $317,394Life insurance assets
  • $3,435All other assets
  • $289,084Total liabilities and capital
  • $287,025Total liabilities
  • $205,899Total deposits
  • $287,025Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 1264.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $795Subordinated debt
  • $28,310All other liabilities
  • $28,310Total equity capital
  • $28,310Total bank equity capital
  • $0Perpetual preferred stock
  • $1,638Common stock
  • $3,638Surplus
  • $23,034Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,731Income earned, not collected on loans
  • $0Earning assets
  • $1,296Long-term assets (5+ years)
  • $297,355Average Assets, year-to-date
  • $55,846Average Assets, quarterly
  • $315,537Volatile liabilities
  • $316,860Insider loans
  • $164,678FHLB advances
  • $322,089Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,465Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $35,846Restructured Loans and leases
  • $7,722Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,227Total interest income
  • $732Total interest expense
  • $9,495Net interest income
  • $1,080Provision for loan and lease losses
  • $4,168Total noninterest income
  • $2,772Fiduciary activities
  • $317Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,079Additional noninterest income
  • $8,858Total noninterest expense
  • $5,175Salaries and employee benefits
  • $789Premises and equipment expense
  • $2,894Additional noninterest expense
  • $3,725Pre-tax net operating income
  • $781Securities gains (losses)
  • $42Applicable income taxes
  • $4,464Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,464Net income attributable to bank
  • $0Net charge-offs
  • $4,464Cash dividends
  • $644Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.45%Yield on earning assets
  • 0.25%Cost of funding earning assets
  • 3.20%Net interest margin
  • 1.41%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 16.72%Return on equity (ROE)
  • 9.23%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 167.70%Credit loss provision to net charge-offs
  • 7.46%Efficiency ratio
  • 64,832Assets per employee
  • 5.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 44.80%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 40.92%Noncurrent assets plus other real estate owned to assets
  • 1.57%Noncurrent loans to loans
  • 2.94%Net loans and leases to deposits
  • 55.43%Net loans and leases to core deposits
  • 57.79%Equity capital to assets
  • 8.92%Core capital (leverage) ratio
  • 8.22%Tier 1 risk-based capital ratio
  • 16.07%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $315,537Average earning assets
  • $26,705Average equity
  • $296,390Average 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
  • $310,817Managed Assets
  • 1Number of Accounts
  • $250,793Personal trust and agency accounts
  • $153,942Employee benefit-defined contribution accounts
  • $16,311Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $26,132Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $35,770Other fiduciary accounts
  • $2,975Fiduciary accounts held in foreign offices
  • $15,663Non-managed Assets
  • 596Number of Accounts
  • $0Personal trust and agency accounts
  • $26,132Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $60,024Other retirement accounts
  • $28,480Corporate trust and agency accounts
  • $7,210Other fiduciary accounts
  • $15,136Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08553First National Bank Of La Grange620 West Burlington Street, La Grange, IL 60525January 15, 1934Full Service Brick and Mortar
    1229871Western Springs Facility1013 Burlington Avenue, Western Springs, IL 60558August 01, 1979Full Service Brick and Mortar
    2229872Bethlehem Woods Facility1571 West Ogden Avenue, La Grange Park, IL 60526January 02, 1990Full Service Brick and Mortar

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