First Personal Bank in Orland Park, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


First Personal Bank - Overview

  • General
  • FDIC Certificate #: 35067
    Status: Active
    Federal Reserve ID: 2761967
    Bank Holding Company (Regulatory Top Holder): First Personal Financial Corp. (RSSDID: 2761976, Location: Orland Park, IL)
    Date Established: August 23, 1999
    WWW: http://www.firstpersonalbank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 74372
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 23, 1999
    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: 14701 South Ravinia Avenue, Orland Park, IL 60462
    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: $167.7 mil
    Equity capital: $12.7 mil
    Deposits held in domestic offices: $153.9 mil
    Return on assets (ROA): 0.53% ($0.9 mil)
    Quarterly return on assets: 1.73% ($2.9 mil)
    Return on Equity (ROE): 7.56% ($1.0 mil)
    Quarterly return on equity: 23.43% ($3.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.81% ($1,358.3 mil)
    Quarterly Pretax return on assets: 2.70% ($4,527.8 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
  • 37Total employees (full-time equivalent)
  • $167,695Total assets
  • $30,911Cash and due from depository institutions
  • $29,207Interest-bearing balances
  • $12,405Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $106,089Net loans & leases
  • $2,917Loan loss allowance
  • $0Trading account assets
  • $6,653Bank premises and fixed assets
  • $4,589Other real estate owned
  • $81Goodwill and other intangibles
  • $167,695Life insurance assets
  • $6,967All other assets
  • $154,991Total liabilities and capital
  • $153,940Total liabilities
  • $142,393Total deposits
  • $153,940Interest-bearing deposits
  • $97Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,051Subordinated debt
  • $12,704All other liabilities
  • $12,704Total equity capital
  • $12,704Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $12,053Surplus
  • $-349Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,256Income earned, not collected on loans
  • $0Earning assets
  • $499Long-term assets (5+ years)
  • $147,701Average Assets, year-to-date
  • $29,809Average Assets, quarterly
  • $172,599Volatile liabilities
  • $167,196Insider loans
  • $101,358FHLB advances
  • $165,879Loans and leases held for sale
  • $2,803Unused loan commitments
  • $991Tier 1 (core) risk-based capital
  • $11,137Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,812Total unused commitments
  • $6,370Restructured Loans and leases
  • $3,343Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,944Total interest income
  • $1,535Total interest expense
  • $6,409Net interest income
  • $245Provision for loan and lease losses
  • $391Total noninterest income
  • $0Fiduciary activities
  • $165Service charges on deposit accounts
  • $0Trading account gains & fees
  • $226Additional noninterest income
  • $5,149Total noninterest expense
  • $2,371Salaries and employee benefits
  • $646Premises and equipment expense
  • $2,132Additional noninterest expense
  • $1,406Pre-tax net operating income
  • $0Securities gains (losses)
  • $497Applicable income taxes
  • $909Income before extraordinary items
  • $0Extraordinary gains - net
  • $909Net income attributable to bank
  • $0Net charge-offs
  • $909Cash dividends
  • $645Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.00%Cost of funding earning assets
  • 4.20%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 3.37%Noninterest expense to earning assets
  • 0.53%Net operating income to assets
  • 0.53%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 7.56%Return on equity (ROE)
  • 7.56%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 37.98%Credit loss provision to net charge-offs
  • 2.56%Efficiency ratio
  • 75,721Assets per employee
  • 4.53%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.68%Loss allowance to noncurrent loans
  • 46.63%Noncurrent assets plus other real estate owned to assets
  • 6.47%Noncurrent loans to loans
  • 5.74%Net loans and leases to deposits
  • 68.92%Net loans and leases to core deposits
  • 70.66%Equity capital to assets
  • 7.58%Core capital (leverage) ratio
  • 6.71%Tier 1 risk-based capital ratio
  • 10.99%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $172,599Average earning assets
  • $12,027Average equity
  • $152,763Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    074372First Personal Bank14701 South Ravinia Avenue, Orland Park, IL 60462August 23, 1999Full Service Brick and Mortar
    2358300Archer Avenue Branch6162 South Archer Avenue, Chicago, IL 60638September 18, 2000Full Service Brick and Mortar
    3429722Lemont Branch12261 Archer Ave., Lemont, IL 60439Febuary 14, 2004Full Service Brick and Mortar

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