Hinsdale Bank & Trust Company in Hinsdale, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Hinsdale Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 33849
    Status: Active
    Federal Reserve ID: 2119773
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: October 28, 1993
    WWW: http://www.hinsdalebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 14285
    FDIC's unique #: 48157
    Numeric code: 13
    Regulator: FED
    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: October 28, 1993
    Last Structure Change Effective Date: November 04, 2006
    Last Structure Change Process Date: March 15, 2007
    Last Data Update: March 15, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 25 East First Street, Hinsdale, IL 60521
    County: Dupage
    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: $1,517.9 mil
    Equity capital: $197.6 mil
    Deposits held in domestic offices: $1,159.0 mil
    Return on assets (ROA): 0.35% ($5.3 mil)
    Quarterly return on assets: 1.05% ($15.9 mil)
    Return on Equity (ROE): 2.67% ($5.3 mil)
    Quarterly return on equity: 8.11% ($16.1 mil)
    Net income: $5.2 mil
    Quarterly Net income: $4.0 mil
    Pretax return on assets: 0.54% ($8,196.8 mil)
    Quarterly Pretax return on assets: 1.68% ($25,501.2 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
  • 185Total employees (full-time equivalent)
  • $1,517,926Total assets
  • $73,728Cash and due from depository institutions
  • $60,020Interest-bearing balances
  • $86,347Securities
  • $63,406Federal funds sold & reverse repurchase agreements
  • $1,038,999Net loans & leases
  • $9,985Loan loss allowance
  • $0Trading account assets
  • $39,564Bank premises and fixed assets
  • $6,375Other real estate owned
  • $62,611Goodwill and other intangibles
  • $1,517,926Life insurance assets
  • $146,896All other assets
  • $1,320,321Total liabilities and capital
  • $1,158,999Total liabilities
  • $1,014,948Total deposits
  • $1,158,999Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 69957.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $67,000Trading liabilities
  • $4,000Other borrowed funds
  • $20,365Subordinated debt
  • $197,605All other liabilities
  • $197,605Total equity capital
  • $197,605Total bank equity capital
  • $0Perpetual preferred stock
  • $2,150Common stock
  • $153,893Surplus
  • $41,562Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $13,006Income earned, not collected on loans
  • $0Earning assets
  • $5,735Long-term assets (5+ years)
  • $1,248,772Average Assets, year-to-date
  • $117,495Average Assets, quarterly
  • $1,483,282Volatile liabilities
  • $1,513,665Insider loans
  • $1,208,082FHLB advances
  • $1,464,539Loans and leases held for sale
  • $17,377Unused loan commitments
  • $11,134Tier 1 (core) risk-based capital
  • $134,488Tier 2 risk-based capital
  • $4,007Total risk weighted assets
  • $2,236Total unused commitments
  • $288,109Restructured Loans and leases
  • $4,198Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $62,075Total interest income
  • $11,736Total interest expense
  • $50,339Net interest income
  • $19,325Provision for loan and lease losses
  • $5,949Total noninterest income
  • $0Fiduciary activities
  • $981Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,968Additional noninterest income
  • $29,204Total noninterest expense
  • $15,667Salaries and employee benefits
  • $2,957Premises and equipment expense
  • $10,580Additional noninterest expense
  • $7,759Pre-tax net operating income
  • $255Securities gains (losses)
  • $2,844Applicable income taxes
  • $5,170Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,170Net income attributable to bank
  • $0Net charge-offs
  • $5,170Cash dividends
  • $25,180Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.90%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.98%Net interest margin
  • 0.47%Noninterest income to earning assets
  • 2.31%Noninterest expense to earning assets
  • 0.34%Net operating income to assets
  • 0.35%Return on assets (ROA)
  • 0.54%Pretax return on assets
  • 2.67%Return on equity (ROE)
  • 2.67%Retained earnings to average equity (YTD only)
  • 2.43%Net charge-offs to loans
  • 76.75%Credit loss provision to net charge-offs
  • 1.08%Efficiency ratio
  • 51,139Assets per employee
  • 8.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.95%Loss allowance to noncurrent loans
  • 76.77%Noncurrent assets plus other real estate owned to assets
  • 1.28%Noncurrent loans to loans
  • 1.24%Net loans and leases to deposits
  • 89.65%Net loans and leases to core deposits
  • 113.52%Equity capital to assets
  • 13.02%Core capital (leverage) ratio
  • 9.18%Tier 1 risk-based capital ratio
  • 11.13%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $1,483,282Average earning assets
  • $193,550Average equity
  • $1,265,731Average loans

List of branches

  • 12 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048157Hinsdale Bank & Trust Company25 East First Street, Hinsdale, IL 60521October 28, 1993Full Service Brick and Mortar
    1289977West Chestnut Drive-Up130 West Chestnut, Hinsdale, IL 60521October 26, 1995Limited Service Facility
    2289978Clarendon Hills Bank Branch200 West Burlington, Clarendon Hills, IL 60514July 25, 1996Full Service Brick and Mortar
    3289979The Community Bank Of Western Spring1000 Hillgrove Avenue, Western Springs, IL 60558October 28, 1997Full Service Brick and Mortar
    4365268Riverside Bank Branch17 East Burlington Street, Riverside, IL 60546January 24, 2002Full Service Brick and Mortar
    5365269Thecdbank.Com Branch25 East First Street, Hinsdale, IL 60521May 08, 2000Full Service Cyber
    6430981Community Bank Of Downers Grove Bran1111 Warren Avenue, Downers Grove, IL 60515March 15, 2004Full Service Brick and Mortar
    8260721Downers Grove Branch718 Odgen Avenue, Downers Grove, IL 60515May 19, 1997Full Service Brick and Mortar
    9444294Fairview Facility200 Village Drive, Downers Grove, IL 60516October 03, 2003Limited Service Mobile
    10461033Community Bank Of Willowbrook6262 South Route 83, Willowbrook, IL 60527November 04, 2006Full Service Brick and Mortar
    11488162Plymouth Place Facility315 North La Grange Road, La Grange Park, IL 60526August 18, 2008
    12493843Plymouth Place Branch315 N. Lagrange Rd., La Grange, IL 60525August 18, 2008Limited Service Mobile

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