Highland Community Bank in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Highland Community Bank - Overview

  • General
  • FDIC Certificate #: 20290
    Status: Active
    Federal Reserve ID: 76135
    Bank Holding Company (Regulatory Top Holder): Highland Community Company (RSSDID: 1200115, Location: Chicago, IL)
    Date Established: November 09, 1970
    WWW: http://www.bankonhcb.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)
    OTS Docket #: 12853
    FDIC's unique #: 13964
    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: November 09, 1970
    Last Structure Change Effective Date: March 31, 2008
    Last Structure Change Process Date: August 20, 2008
    Last Data Update: August 20, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1701 West 87th Street, Chicago, IL 60620
    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
  • Office Purchased
  • Financial Summary
  • Total assets: $95.3 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $89.1 mil
    Return on assets (ROA): -1.22% (-$1.2 mil)
    Quarterly return on assets: -1.33% (-$1.3 mil)
    Return on Equity (ROE): -19.69% (-$1.2 mil)
    Quarterly return on equity: -22.59% (-$1.4 mil)
    Net income: -$1.2 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: -1.23% (-$1,171.9 mil)
    Quarterly Pretax return on assets: -1.33% (-$1,267.2 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
  • 40Total employees (full-time equivalent)
  • $95,279Total assets
  • $8,210Cash and due from depository institutions
  • $6,540Interest-bearing balances
  • $28,177Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $56,121Net loans & leases
  • $3,541Loan loss allowance
  • $0Trading account assets
  • $930Bank premises and fixed assets
  • $289Other real estate owned
  • $0Goodwill and other intangibles
  • $95,279Life insurance assets
  • $1,552All other assets
  • $89,752Total liabilities and capital
  • $89,076Total liabilities
  • $77,726Total deposits
  • $89,076Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $676Subordinated debt
  • $5,527All other liabilities
  • $5,527Total equity capital
  • $5,527Total bank equity capital
  • $0Perpetual preferred stock
  • $545Common stock
  • $7,990Surplus
  • $-3,008Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,424Income earned, not collected on loans
  • $0Earning assets
  • $423Long-term assets (5+ years)
  • $90,838Average Assets, year-to-date
  • $34,534Average Assets, quarterly
  • $99,776Volatile liabilities
  • $97,157Insider loans
  • $62,265FHLB advances
  • $98,358Loans and leases held for sale
  • $132Unused loan commitments
  • $132Tier 1 (core) risk-based capital
  • $5,450Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,680Restructured Loans and leases
  • $927Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,046Total interest income
  • $581Total interest expense
  • $3,465Net interest income
  • $935Provision for loan and lease losses
  • $577Total noninterest income
  • $0Fiduciary activities
  • $340Service charges on deposit accounts
  • $0Trading account gains & fees
  • $237Additional noninterest income
  • $4,338Total noninterest expense
  • $2,001Salaries and employee benefits
  • $621Premises and equipment expense
  • $1,716Additional noninterest expense
  • -$1,231Pre-tax net operating income
  • $1Securities gains (losses)
  • -$17Applicable income taxes
  • -$1,213Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,213Net income attributable to bank
  • $0Net charge-offs
  • -$1,213Cash dividends
  • $139Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.25%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 3.64%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 4.55%Noninterest expense to earning assets
  • -1.22%Net operating income to assets
  • -1.22%Return on assets (ROA)
  • -1.23%Pretax return on assets
  • -19.69%Return on equity (ROE)
  • -19.69%Retained earnings to average equity (YTD only)
  • 0.22%Net charge-offs to loans
  • 672.66%Credit loss provision to net charge-offs
  • -2.13%Efficiency ratio
  • 107,323Assets per employee
  • 2.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.94%Loss allowance to noncurrent loans
  • 47.70%Noncurrent assets plus other real estate owned to assets
  • 8.10%Noncurrent loans to loans
  • 12.44%Net loans and leases to deposits
  • 63.00%Net loans and leases to core deposits
  • 72.15%Equity capital to assets
  • 5.80%Core capital (leverage) ratio
  • 5.54%Tier 1 risk-based capital ratio
  • 8.75%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $99,776Average earning assets
  • $6,160Average equity
  • $95,275Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013964Highland Community Bank1701 West 87th Street, Chicago, IL 60620November 09, 1970Full Service Brick and Mortar
    3291940South Halsted Street Branch10537 South Halsted Street, Chicago, IL 60628March 20, 2000Full Service Brick and Mortar

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