Metrobank in Berwyn, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Metrobank - Overview

  • General
  • FDIC Certificate #: 16641
    Status: Active
    Federal Reserve ID: 383534
    Bank Holding Company (Regulatory Top Holder): Metropolitan Bank Group, Inc. (RSSDID: 1204627, Location: Chicago, IL)
    Date Established: November 08, 1947
    WWW: http://www.citizenscommunitybank-il.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 22 (Domestic: 22, Interstate: No)
    FDIC's unique #: 10779
    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: November 08, 1947
    Last Structure Change Effective Date: March 30, 2011
    Last Structure Change Process Date: April 14, 2011
    Last Data Update: April 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 3322 South Oak Park Avenue, Berwyn, IL 60402
    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 Absorption/Consolidation/Merger
    Name Change
  • Financial Summary
  • Total assets: $800.5 mil
    Equity capital: $71.1 mil
    Deposits held in domestic offices: $711.8 mil
    Return on assets (ROA): -3.62% (-$29.0 mil)
    Quarterly return on assets: -1.94% (-$15.5 mil)
    Return on Equity (ROE): -37.95% (-$26.9 mil)
    Quarterly return on equity: -21.49% (-$15.3 mil)
    Net income: -$29.5 mil
    Quarterly Net income: -$3.9 mil
    Pretax return on assets: -5.59% (-$44,746.2 mil)
    Quarterly Pretax return on assets: -3.14% (-$25,134.7 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
  • 214Total employees (full-time equivalent)
  • $800,469Total assets
  • $129,974Cash and due from depository institutions
  • $120,919Interest-bearing balances
  • $62,978Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $511,798Net loans & leases
  • $34,612Loan loss allowance
  • $0Trading account assets
  • $28,556Bank premises and fixed assets
  • $21,091Other real estate owned
  • $9,092Goodwill and other intangibles
  • $800,469Life insurance assets
  • $36,980All other assets
  • $729,394Total liabilities and capital
  • $711,804Total liabilities
  • $565,786Total deposits
  • $711,804Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 4306.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $3,284Subordinated debt
  • $71,075All other liabilities
  • $71,075Total equity capital
  • $71,075Total bank equity capital
  • $0Perpetual preferred stock
  • $1,333Common stock
  • $51,808Surplus
  • $17,934Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $93,500Income earned, not collected on loans
  • $0Earning assets
  • $2,886Long-term assets (5+ years)
  • $695,695Average Assets, year-to-date
  • $66,772Average Assets, quarterly
  • $814,088Volatile liabilities
  • $806,991Insider loans
  • $499,841FHLB advances
  • $766,977Loans and leases held for sale
  • $850Unused loan commitments
  • $850Tier 1 (core) risk-based capital
  • $33,658Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $14,792Restructured Loans and leases
  • $1,575Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $36,908Total interest income
  • $3,913Total interest expense
  • $32,995Net interest income
  • $43,109Provision for loan and lease losses
  • -$3,532Total noninterest income
  • $20Fiduciary activities
  • $2,254Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$5,806Additional noninterest income
  • $32,926Total noninterest expense
  • $11,076Salaries and employee benefits
  • $5,112Premises and equipment expense
  • $16,738Additional noninterest expense
  • -$46,572Pre-tax net operating income
  • $1,085Securities gains (losses)
  • -$16,007Applicable income taxes
  • -$29,480Income before extraordinary items
  • $0Extraordinary gains - net
  • -$29,480Net income attributable to bank
  • $0Net charge-offs
  • -$29,480Cash dividends
  • $26,010Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 4.68%Net interest margin
  • -0.50%Noninterest income to earning assets
  • 4.68%Noninterest expense to earning assets
  • -3.71%Net operating income to assets
  • -3.62%Return on assets (ROA)
  • -5.59%Pretax return on assets
  • -37.95%Return on equity (ROE)
  • -37.95%Retained earnings to average equity (YTD only)
  • 4.12%Net charge-offs to loans
  • 165.74%Credit loss provision to net charge-offs
  • -0.13%Efficiency ratio
  • 108,180Assets per employee
  • 3.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 6.33%Loss allowance to noncurrent loans
  • 37.02%Noncurrent assets plus other real estate owned to assets
  • 14.32%Noncurrent loans to loans
  • 17.11%Net loans and leases to deposits
  • 71.90%Net loans and leases to core deposits
  • 76.34%Equity capital to assets
  • 8.88%Core capital (leverage) ratio
  • 4.39%Tier 1 risk-based capital ratio
  • 6.73%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $814,088Average earning assets
  • $77,673Average equity
  • $704,283Average 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
  • $44Managed 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
  • 306Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $44Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 22 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010779Metrobank3322 South Oak Park Avenue, Berwyn, IL 60402November 08, 1947Full Service Brick and Mortar
    1238522Cicero Branch5915 West 35th Street, Cicero, IL 60804October 26, 1978Full Service Brick and Mortar
    4254984Broadview Branch4000 Broadview Square, Broadview, IL 60155December 27, 1995Full Service Brick and Mortar
    5496424Roosevelt Road Branch7025 West Roosevelt Road, Berwyn, IL 60402October 08, 2009Full Service Brick and Mortar
    6588Metropolitan Bank Branch2201 West Cermak Road, Chicago, IL 60608April 18, 1914Full Service Brick and Mortar
    7186632Drive-In Facility2235 West Cermak Road, Chicago, IL 60608November 30, 1972Limited Service Facility
    8186634Archer Branch4050 South Archer, Chicago, IL 60632March 01, 1989Full Service Brick and Mortar
    928018235th Street Branch1947 West 35th Street, Chicago, IL 60609January 01, 1926Full Service Brick and Mortar
    10263701Cicero Branch4800 W 24th Place, Cicero, IL 60804January 01, 1920Full Service Brick and Mortar
    114055226th St Branch3522 West 26th St, Chicago, IL 60623January 01, 1912Full Service Brick and Mortar
    12186635Ogden Branch6001 West Ogden Avenue, Cicero, IL 60804August 31, 1998Full Service Brick and Mortar
    13427757Lyons Branch8744 Ogden Avenue, Lyons, IL 60534March 20, 2004Full Service Brick and Mortar
    14478862Oak Park Branch601 N. Harlem, Oak Park, IL 60302January 25, 2008Full Service Brick and Mortar
    15446995Community Bank Of Dupage535 Ogden Avenue, Downers Grove, IL 60515June 22, 2006Full Service Brick and Mortar
    16467054Villa Park Branch2 E Roosevelt Rd, Villa Park, IL 60181May 01, 2007Full Service Brick and Mortar
    17478840Quincy Branch23 W. Quincy, Westmont, IL 60559May 23, 2008Full Service Brick and Mortar
    188912Chicago Community Bank Branch1110 West 35th Street, Chicago, IL 60609April 18, 1934Full Service Brick and Mortar
    19231246East Lake Branch52 E Lake St, Chicago, IL 60601November 09, 1999Full Service Brick and Mortar
    20358684Dearborn Branch47 West Polk Street, Chicago, IL 60605June 09, 1998Full Service Brick and Mortar
    2142189Halsted Branch1800 S Halsted St, Chicago, IL 60608January 01, 1923Full Service Brick and Mortar
    22466312Jackson Branch51 W. Jackson, Chicago, IL 60604March 13, 2007Full Service Brick and Mortar
    23468964East Side Branch11157 South Ewing Avenue, Chicago, IL 60617October 17, 2007Full Service Brick and Mortar

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