International Bank of Chicago in Chicago, Illinois (IL)



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International Bank of Chicago routing number info

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International Bank of Chicago
GeneralFDIC Certificate #: 33708
Status: Active
Federal Reserve ID: 2006024
Bank Holding Company (Regulatory Top Holder): Ibc Bancorp, Inc. (RSSDID: 2339759, Location: Chicago, IL)
Date Established: October 26, 1992
WWW: http://www.inbk.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 5, Interstate: No)
OTS Docket #: 13929
FDIC's unique #: 47819
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: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: October 26, 1992
Last Structure Change Effective Date: March 23, 2012
Last Structure Change Process Date: March 26, 2012
Last Data Update: March 26, 2012
Data Source Date: April 05, 2012
LocationAddress: 5069 North Broadway, Chicago, IL 60640
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 ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Financial SummaryTotal assets: $289.2 mil
Equity capital: $31.3 mil
Deposits held in domestic offices: $251.7 mil
Return on assets (ROA): 2.14% ($6.2 mil)
Quarterly return on assets: 2.74% ($7.9 mil)
Return on Equity (ROE): 19.29% ($6.0 mil)
Quarterly return on equity: 24.26% ($7.5 mil)
Net income: $5.4 mil
Quarterly Net income: $1.8 mil
Pretax return on assets: 2.14% ($6,188.3 mil)
Quarterly Pretax return on assets: 2.74% ($7,923.3 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)
Total employees (full-time equivalent)52
Total assets$289,172
Cash and due from depository institutions$14,455
Interest-bearing balances$11,483
Securities$69,634
Federal funds sold & reverse repurchase agreements$10,000
Net loans & leases$183,682
Loan loss allowance $3,073
Trading account assets$0
Bank premises and fixed assets$5,977
Other real estate owned$2,087
Goodwill and other intangibles$311
All other assets$3,026
Life insurance assets$289,172
Total liabilities and capital$257,875
Total liabilities$251,650
Total deposits$237,787
Interest-bearing deposits$251,650
Deposits held in domestic offices$94
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,000
Other borrowed funds $0
Subordinated debt $1,225
All other liabilities $31,297
Total equity capital$31,297
Total bank equity capital$31,297
Perpetual preferred stock$0
Common stock$1,590
Surplus$11,494
Undivided profits $18,213
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,273
Earning assets $0
Long-term assets (5+ years) $1,231
Average Assets, year-to-date $274,799
Average Assets, quarterly $145,206
Volatile liabilities $251,169
Insider loans $269,951
FHLB advances $195,570
Loans and leases held for sale $275,882
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $30,165
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,112
Derivatives$4,892
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,827
Total interest expense $3,416
Net interest income $10,411
Provision for loan and lease losses $5,500
Total noninterest income $5,812
Fiduciary activities $29
Service charges on deposit accounts $350
Trading account gains & fees $0
Additional noninterest income $5,433
Total noninterest expense $5,444
Salaries and employee benefits $2,524
Premises and equipment expense $755
Additional noninterest expense $2,165
Pre-tax net operating income $5,279
Securities gains (losses) $96
Applicable income taxes $0
Income before extraordinary items $5,375
Extraordinary gains - net $0
Net income attributable to bank $5,375
Net charge-offs $0
Cash dividends $5,375
Sale, conversion, retirement of capital stock, net $5,460
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.81%
Cost of funding earning assets 1.44%
Net interest margin 4.37%
Noninterest income to earning assets 2.44%
Noninterest expense to earning assets 2.29%
Net operating income to assets 2.10%
Return on assets (ROA) 2.14%
Pretax return on assets 2.14%
Return on equity (ROE) 19.29%
Retained earnings to average equity (YTD only) 19.29%
Net charge-offs to loans 3.13%
Credit loss provision to net charge-offs 100.73%
Efficiency ratio1.97%
Assets per employee$33,477
Cash dividends to net income (YTD only)5.56%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.65%
Noncurrent assets plus other real estate owned to assets 241.40%
Noncurrent loans to loans 1.16%
Net loans and leases to deposits0.68%
Net loans and leases to core deposits 72.99%
Equity capital to assets 92.77%
Core capital (leverage) ratio 10.82%
Tier 1 risk-based capital ratio 10.93%
Total risk-based capital ratio 15.42%
Memoranda
Average assets$17
Average earning assets$251,169
Average equity $27,858
Average loans $238,036
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$1,408
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1,408
Corporate trust and agency accounts$0
Other fiduciary accounts$1,408
Fiduciary accounts held in foreign offices$0
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7 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
047819International Bank Of Chicago5069 North Broadway, Chicago, IL 60640October 26, 1992Full Service Brick and Mortar
1289845Cermak Road Branch208 West Cermak Road, Chicago, IL 60616January 20, 1998Full Service Brick and Mortar
2358572Stone Park Branch1860 North Mannheim Road, Stone Park, IL 60165October 02, 2000Full Service Brick and Mortar
3442563Bellwood Branch405 S Mannheim Rd, Bellwood, IL 60104June 01, 2005Full Service Brick and Mortar
4424175All American Bank Branch9380 West Ballard Road, Des Plaines, IL 60016August 15, 2005Full Service Brick and Mortar
580014Premier Bank Branch1210 Central Avenue, Wilmette, IL 60091Febuary 14, 2000Full Service Brick and Mortar
6450882Adams Street Branch1650 West Adams Street, Chicago, IL 60612May 01, 2006Full Service Brick and Mortar
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