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


Libertyville Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 34073
    Status: Active
    Federal Reserve ID: 2339795
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: October 10, 1995
    WWW: http://www.libertyvillebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 14239
    FDIC's unique #: 56210
    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 10, 1995
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 507 North Milwaukee Avenue, Libertyville, IL 60048
    County: Lake
    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: Lake County-Kenosha County, IL-WI (#29404)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,138.2 mil
    Equity capital: $100.0 mil
    Deposits held in domestic offices: $943.8 mil
    Return on assets (ROA): 0.22% ($2.5 mil)
    Quarterly return on assets: 0.42% ($4.8 mil)
    Return on Equity (ROE): 2.57% ($2.6 mil)
    Quarterly return on equity: 4.88% ($4.9 mil)
    Net income: $2.5 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 0.30% ($3,414.6 mil)
    Quarterly Pretax return on assets: 0.64% ($7,284.4 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
  • 121Total employees (full-time equivalent)
  • $1,138,184Total assets
  • $62,112Cash and due from depository institutions
  • $48,089Interest-bearing balances
  • $78,893Securities
  • $15,000Federal funds sold & reverse repurchase agreements
  • $863,637Net loans & leases
  • $11,488Loan loss allowance
  • $0Trading account assets
  • $27,489Bank premises and fixed assets
  • $4,369Other real estate owned
  • $5,278Goodwill and other intangibles
  • $1,138,184Life insurance assets
  • $81,406All other assets
  • $1,038,148Total liabilities and capital
  • $943,840Total liabilities
  • $807,744Total deposits
  • $943,840Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 34780.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $39,000Trading liabilities
  • $16,000Other borrowed funds
  • $4,528Subordinated debt
  • $100,036All other liabilities
  • $100,036Total equity capital
  • $100,036Total bank equity capital
  • $0Perpetual preferred stock
  • $2,500Common stock
  • $76,078Surplus
  • $21,458Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $16,218Income earned, not collected on loans
  • $0Earning assets
  • $3,557Long-term assets (5+ years)
  • $1,005,619Average Assets, year-to-date
  • $117,365Average Assets, quarterly
  • $1,141,348Volatile liabilities
  • $1,147,583Insider loans
  • $918,871FHLB advances
  • $1,160,336Loans and leases held for sale
  • $2,503Unused loan commitments
  • $363Tier 1 (core) risk-based capital
  • $93,613Tier 2 risk-based capital
  • $1,107Total risk weighted assets
  • $1,033Total unused commitments
  • $192,159Restructured Loans and leases
  • $27,857Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $46,998Total interest income
  • $12,270Total interest expense
  • $34,728Net interest income
  • $14,912Provision for loan and lease losses
  • $3,591Total noninterest income
  • $0Fiduciary activities
  • $1,599Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,992Additional noninterest income
  • $20,107Total noninterest expense
  • $8,793Salaries and employee benefits
  • $2,490Premises and equipment expense
  • $8,824Additional noninterest expense
  • $3,300Pre-tax net operating income
  • $135Securities gains (losses)
  • $918Applicable income taxes
  • $2,517Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,517Net income attributable to bank
  • $0Net charge-offs
  • $2,517Cash dividends
  • $17,966Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.53%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 1.94%Noninterest expense to earning assets
  • 0.21%Net operating income to assets
  • 0.22%Return on assets (ROA)
  • 0.30%Pretax return on assets
  • 2.57%Return on equity (ROE)
  • 2.57%Retained earnings to average equity (YTD only)
  • 2.11%Net charge-offs to loans
  • 83.00%Credit loss provision to net charge-offs
  • 1.01%Efficiency ratio
  • 52,334Assets per employee
  • 9.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 70.83%Noncurrent assets plus other real estate owned to assets
  • 1.81%Noncurrent loans to loans
  • 1.85%Net loans and leases to deposits
  • 91.50%Net loans and leases to core deposits
  • 114.33%Equity capital to assets
  • 8.79%Core capital (leverage) ratio
  • 8.07%Tier 1 risk-based capital ratio
  • 10.19%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,141,348Average earning assets
  • $97,865Average equity
  • $1,038,143Average loans

List of branches

  • 8 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056210Libertyville Bank & Trust Company507 North Milwaukee Avenue, Libertyville, IL 60048October 10, 1995Full Service Brick and Mortar
    1290358201 East Hurlburt Court Branch201 East Hurlburt Court, Libertyville, IL 60048October 20, 1995Limited Service Facility
    2290359Libertyville Bank & Trust Company1200 S. Milwaukee Avenue, Libertyville, IL 60048October 05, 1998Full Service Brick and Mortar
    5359497West Liberty Street Branch495 West Liberty Street, Wauconda, IL 60084July 31, 2000Full Service Brick and Mortar
    8289894Mundelein Branch1110 Maple, Mundelein, IL 60060July 11, 1997Full Service Brick and Mortar
    9447274M O'plain Road Branch675 M. O'plain Road, Gurnee, IL 60031January 16, 2006Full Service Brick and Mortar
    10466283Island Lake Branch229 E. State Road, Island Lake, IL 60042April 02, 2007Full Service Retail
    11478990Vernon Hills Branch1101 Lakeview Parkway, Vernon Hills, IL 60061June 05, 2008Full Service Brick and Mortar

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