North Shore Community Bank & Trust Company in Wilmette, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • North Shore Community Bank & Trust Company in Wilmette, Illinois (IL)
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North Shore Community Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 33935
    Status: Active
    Federal Reserve ID: 2239288
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: September 14, 1994
    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 #: 14331
    FDIC's unique #: 55104
    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: September 14, 1994
    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: 1145 Wilmette Avenue, Wilmette, IL 60091
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $1,737.8 mil
    Equity capital: $133.3 mil
    Deposits held in domestic offices: $1,447.5 mil
    Return on assets (ROA): 0.58% ($10.1 mil)
    Quarterly return on assets: 1.16% ($20.2 mil)
    Return on Equity (ROE): 7.28% ($9.7 mil)
    Quarterly return on equity: 15.20% ($20.2 mil)
    Net income: $9.3 mil
    Quarterly Net income: $5.0 mil
    Pretax return on assets: 0.95% ($16,509.5 mil)
    Quarterly Pretax return on assets: 1.91% ($33,192.7 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
  • 319Total employees (full-time equivalent)
  • $1,737,838Total assets
  • $48,167Cash and due from depository institutions
  • $32,422Interest-bearing balances
  • $140,110Securities
  • $27,312Federal funds sold & reverse repurchase agreements
  • $1,381,844Net loans & leases
  • $13,848Loan loss allowance
  • $2,490Trading account assets
  • $35,721Bank premises and fixed assets
  • $1,198Other real estate owned
  • $7,965Goodwill and other intangibles
  • $1,737,838Life insurance assets
  • $93,031All other assets
  • $1,604,582Total liabilities and capital
  • $1,447,532Total liabilities
  • $1,165,082Total deposits
  • $1,447,532Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 32375.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $67,000Trading liabilities
  • $38,000Other borrowed funds
  • $19,675Subordinated debt
  • $133,256All other liabilities
  • $133,256Total equity capital
  • $133,256Total bank equity capital
  • $0Perpetual preferred stock
  • $2,850Common stock
  • $119,077Surplus
  • $11,329Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $12,216Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,385Income earned, not collected on loans
  • $0Earning assets
  • $5,540Long-term assets (5+ years)
  • $1,584,178Average Assets, year-to-date
  • $190,828Average Assets, quarterly
  • $1,596,580Volatile liabilities
  • $1,716,022Insider loans
  • $1,577,081FHLB advances
  • $1,707,772Loans and leases held for sale
  • $33,499Unused loan commitments
  • $3,271Tier 1 (core) risk-based capital
  • $124,202Tier 2 risk-based capital
  • $18,575Total risk weighted assets
  • $11,653Total unused commitments
  • $600,432Restructured Loans and leases
  • $17,399Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $58,999Total interest income
  • $13,715Total interest expense
  • $45,284Net interest income
  • $9,388Provision for loan and lease losses
  • $42,909Total noninterest income
  • $4,096Fiduciary activities
  • $1,679Service charges on deposit accounts
  • $5,616Trading account gains & fees
  • $31,518Additional noninterest income
  • $63,832Total noninterest expense
  • $39,325Salaries and employee benefits
  • $5,137Premises and equipment expense
  • $19,370Additional noninterest expense
  • $14,973Pre-tax net operating income
  • $143Securities gains (losses)
  • $5,865Applicable income taxes
  • $9,251Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,251Net income attributable to bank
  • $0Net charge-offs
  • $9,251Cash dividends
  • $5,925Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.05%Yield on earning assets
  • 0.94%Cost of funding earning assets
  • 3.11%Net interest margin
  • 2.95%Noninterest income to earning assets
  • 4.38%Noninterest expense to earning assets
  • 0.57%Net operating income to assets
  • 0.58%Return on assets (ROA)
  • 0.95%Pretax return on assets
  • 7.28%Return on equity (ROE)
  • 7.28%Retained earnings to average equity (YTD only)
  • 0.49%Net charge-offs to loans
  • 158.45%Credit loss provision to net charge-offs
  • 4.11%Efficiency ratio
  • 72,378Assets per employee
  • 5.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 133.35%Noncurrent assets plus other real estate owned to assets
  • 0.67%Noncurrent loans to loans
  • 0.74%Net loans and leases to deposits
  • 95.46%Net loans and leases to core deposits
  • 112.72%Equity capital to assets
  • 7.67%Core capital (leverage) ratio
  • 7.27%Tier 1 risk-based capital ratio
  • 7.88%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $1,596,580Average earning assets
  • $127,049Average equity
  • $1,456,470Average 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
  • $468,250Managed Assets
  • 1Number of Accounts
  • $468,250Personal trust and agency accounts
  • $149,471Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $318,779Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 2063Number 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
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 8 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    055104North Shore Community Bank & Trust C1145 Wilmette Avenue, Wilmette, IL 60091September 14, 1994Full Service Brick and Mortar
    1290226Glencoe Branch362 Park Avenue, Glencoe, IL 60022October 19, 1995Full Service Brick and Mortar
    2290227720 12th Street Branch720 12th Street, Wilmette, IL 60091November 14, 1995Limited Service Facility
    3290228576 Lincoln Ave Branch576 Lincoln Avenue, Winnetka, IL 60093May 02, 1996Full Service Brick and Mortar
    4290229635 Vernon Avenue Branch635 Vernon Avenue, Glencoe, IL 60022March 12, 1998Limited Service Facility
    5290230351 Linden Avenue Branch351 Linden Avenue, Wilmette, IL 60091April 16, 1998Limited Service Facility
    6357249Skokie Branch7800 Lincoln Ave, Skokie, IL 60077September 21, 1999Full Service Brick and Mortar
    8442391Sauganash Branch4343 West Peterson, Chicago, IL 60646December 30, 2004Full Service Brick and Mortar

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