International Bank of Chicago in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • International Bank of Chicago in Chicago, Illinois (IL)
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International Bank of Chicago - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 52Total employees (full-time equivalent)
  • $289,172Total assets
  • $14,455Cash and due from depository institutions
  • $11,483Interest-bearing balances
  • $69,634Securities
  • $10,000Federal funds sold & reverse repurchase agreements
  • $183,682Net loans & leases
  • $3,073Loan loss allowance
  • $0Trading account assets
  • $5,977Bank premises and fixed assets
  • $2,087Other real estate owned
  • $311Goodwill and other intangibles
  • $289,172Life insurance assets
  • $3,026All other assets
  • $257,875Total liabilities and capital
  • $251,650Total liabilities
  • $237,787Total deposits
  • $251,650Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,000Trading liabilities
  • $0Other borrowed funds
  • $1,225Subordinated debt
  • $31,297All other liabilities
  • $31,297Total equity capital
  • $31,297Total bank equity capital
  • $0Perpetual preferred stock
  • $1,590Common stock
  • $11,494Surplus
  • $18,213Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,273Income earned, not collected on loans
  • $0Earning assets
  • $1,231Long-term assets (5+ years)
  • $274,799Average Assets, year-to-date
  • $145,206Average Assets, quarterly
  • $251,169Volatile liabilities
  • $269,951Insider loans
  • $195,570FHLB advances
  • $275,882Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $30,165Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,112Restructured Loans and leases
  • $4,892Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $13,827Total interest income
  • $3,416Total interest expense
  • $10,411Net interest income
  • $5,500Provision for loan and lease losses
  • $5,812Total noninterest income
  • $29Fiduciary activities
  • $350Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,433Additional noninterest income
  • $5,444Total noninterest expense
  • $2,524Salaries and employee benefits
  • $755Premises and equipment expense
  • $2,165Additional noninterest expense
  • $5,279Pre-tax net operating income
  • $96Securities gains (losses)
  • $0Applicable income taxes
  • $5,375Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,375Net income attributable to bank
  • $0Net charge-offs
  • $5,375Cash dividends
  • $5,460Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.81%Yield on earning assets
  • 1.44%Cost of funding earning assets
  • 4.37%Net interest margin
  • 2.44%Noninterest income to earning assets
  • 2.29%Noninterest expense to earning assets
  • 2.10%Net operating income to assets
  • 2.14%Return on assets (ROA)
  • 2.14%Pretax return on assets
  • 19.29%Return on equity (ROE)
  • 19.29%Retained earnings to average equity (YTD only)
  • 3.13%Net charge-offs to loans
  • 100.73%Credit loss provision to net charge-offs
  • 1.97%Efficiency ratio
  • 33,477Assets per employee
  • 5.56%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 241.40%Noncurrent assets plus other real estate owned to assets
  • 1.16%Noncurrent loans to loans
  • 0.68%Net loans and leases to deposits
  • 72.99%Net loans and leases to core deposits
  • 92.77%Equity capital to assets
  • 10.82%Core capital (leverage) ratio
  • 10.93%Tier 1 risk-based capital ratio
  • 15.42%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $251,169Average earning assets
  • $27,858Average equity
  • $238,036Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $1,408Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,408Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1,408Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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