INLAND BANK & TRUST in Oak Brook, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


INLAND BANK & TRUST - Overview

  • General
  • FDIC Certificate #: 22444
    Status: Active
    Federal Reserve ID: 189745
    Bank Holding Company (Regulatory Top Holder): Inland Bancorp, Inc. (RSSDID: 2944144, Location: Oak Brook, IL)
    Date Established: April 01, 1977
    WWW: http://www.inlandbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    OTS Docket #: 13793
    FDIC's unique #: 15642
    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: April 01, 1977
    Last Structure Change Effective Date: August 19, 2011
    Last Structure Change Process Date: August 22, 2011
    Last Data Update: August 22, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2805 Butterfield Road, Oak Brook, IL 60523
    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
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,288.7 mil
    Equity capital: $158.6 mil
    Deposits held in domestic offices: $1,091.2 mil
    Return on assets (ROA): 0.42% ($5.4 mil)
    Quarterly return on assets: 0.44% ($5.7 mil)
    Return on Equity (ROE): 3.41% ($5.4 mil)
    Quarterly return on equity: 3.65% ($5.8 mil)
    Net income: $5.3 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 0.61% ($7,861.1 mil)
    Quarterly Pretax return on assets: 0.67% ($8,634.3 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
  • 188Total employees (full-time equivalent)
  • $1,288,700Total assets
  • $54,771Cash and due from depository institutions
  • $47,184Interest-bearing balances
  • $314,369Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $771,783Net loans & leases
  • $23,786Loan loss allowance
  • $0Trading account assets
  • $13,655Bank premises and fixed assets
  • $35,455Other real estate owned
  • $39,954Goodwill and other intangibles
  • $1,288,700Life insurance assets
  • $58,713All other assets
  • $1,130,098Total liabilities and capital
  • $1,091,207Total liabilities
  • $1,005,994Total deposits
  • $1,091,207Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 19819.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,000Trading liabilities
  • $0Other borrowed funds
  • $6,072Subordinated debt
  • $158,602All other liabilities
  • $158,602Total equity capital
  • $158,602Total bank equity capital
  • $0Perpetual preferred stock
  • $605Common stock
  • $168,828Surplus
  • $-10,831Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $18,998Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $118,236Income earned, not collected on loans
  • $0Earning assets
  • $4,146Long-term assets (5+ years)
  • $1,133,336Average Assets, year-to-date
  • $239,715Average Assets, quarterly
  • $1,243,520Volatile liabilities
  • $1,306,954Insider loans
  • $918,547FHLB advances
  • $1,267,371Loans and leases held for sale
  • $9,459Unused loan commitments
  • $8,291Tier 1 (core) risk-based capital
  • $117,402Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,168Total unused commitments
  • $85,370Restructured Loans and leases
  • $19,976Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $54,631Total interest income
  • $14,169Total interest expense
  • $40,462Net interest income
  • $21,550Provision for loan and lease losses
  • $16,999Total noninterest income
  • $6Fiduciary activities
  • $847Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16,146Additional noninterest income
  • $29,063Total noninterest expense
  • $14,418Salaries and employee benefits
  • $2,892Premises and equipment expense
  • $11,753Additional noninterest expense
  • $6,848Pre-tax net operating income
  • $729Securities gains (losses)
  • $2,305Applicable income taxes
  • $5,272Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,272Net income attributable to bank
  • $0Net charge-offs
  • $5,272Cash dividends
  • $19,197Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.91%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 3.64%Net interest margin
  • 1.53%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 0.38%Net operating income to assets
  • 0.42%Return on assets (ROA)
  • 0.61%Pretax return on assets
  • 3.41%Return on equity (ROE)
  • 3.41%Retained earnings to average equity (YTD only)
  • 2.44%Net charge-offs to loans
  • 112.26%Credit loss provision to net charge-offs
  • 1.48%Efficiency ratio
  • 49,783Assets per employee
  • 6.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.99%Loss allowance to noncurrent loans
  • 20.12%Noncurrent assets plus other real estate owned to assets
  • 11.93%Noncurrent loans to loans
  • 14.86%Net loans and leases to deposits
  • 70.73%Net loans and leases to core deposits
  • 80.45%Equity capital to assets
  • 12.31%Core capital (leverage) ratio
  • 9.26%Tier 1 risk-based capital ratio
  • 12.78%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,243,520Average earning assets
  • $154,597Average equity
  • $1,112,014Average loans

List of branches

  • 13 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015642Inland Bank & Trust2805 Butterfield Road, Oak Brook, IL 60523April 01, 1977Full Service Brick and Mortar
    2254602Glen Ellyn Branch1090-1100 Roosevelt Road, Glen Ellyn, IL 60137July 23, 1997Limited Service Facility
    3254603Countryside Branch5465 South La Grange Road, Countryside, IL 60525June 08, 1998Full Service Brick and Mortar
    4441638Downtown Glen Ellyn Branch520 Crescent Boulevard, Glen Ellyn, IL 60137July 01, 2004Full Service Brick and Mortar
    536220Hillside Branch2225 South Wolf Road, Hillside, IL 60162Febuary 07, 1987Full Service Brick and Mortar
    7260456Lombard Branch837 South Westmore Avenue, Lombard, IL 60148May 01, 1999Full Service Brick and Mortar
    856309Villa Park Branch305 West Saint Charles Road, Villa Park, IL 60181April 19, 1996Full Service Brick and Mortar
    9290422Hawthorn Woods Branch10 Landover Parkway, Hawthorn Woods, IL 60047April 19, 1999Full Service Brick and Mortar
    10357628Morton Grove Branch6111 West Dempster Avenue, Morton Grove, IL 60053August 07, 2000Full Service Brick and Mortar
    11492905Elmhurst Branch539 Spring Road, Elmhurst, IL 60126October 17, 2008Full Service Brick and Mortar
    12495468Lake Zurich Branch1100 South Rand Road, Lake Zurich, IL 60047August 01, 2009Full Service Brick and Mortar
    13359555First Choice Bank Branch1900 West State Street, Geneva, IL 60134July 02, 2001Full Service Brick and Mortar
    14362310Courier Services Branch1900 West State Street, Geneva, IL 60134September 25, 2001Limited Service Messenger

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