Northbrook Bank and Trust Company in Northbrook, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Northbrook Bank and Trust Company in Northbrook, Illinois (IL)
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Northbrook Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 57082
    Status: Active
    Federal Reserve ID: 2938198
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: November 22, 2000
    WWW: http://www.northbrookbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 20 (Domestic: 20, Interstate: No)
    FDIC's unique #: 356990
    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: November 22, 2000
    Last Structure Change Effective Date: July 08, 2011
    Last Structure Change Process Date: July 11, 2011
    Last Data Update: July 11, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1100 Waukegan Road, Northbrook, IL 60062
    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: $1,886.7 mil
    Equity capital: $155.6 mil
    Deposits held in domestic offices: $1,548.8 mil
    Return on assets (ROA): 1.76% ($33.2 mil)
    Quarterly return on assets: 0.61% ($11.5 mil)
    Return on Equity (ROE): 22.03% ($34.4 mil)
    Quarterly return on equity: 7.56% ($11.8 mil)
    Net income: $26.4 mil
    Quarterly Net income: $2.9 mil
    Pretax return on assets: 2.89% ($54,525.9 mil)
    Quarterly Pretax return on assets: 0.99% ($18,678.4 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
  • 192Total employees (full-time equivalent)
  • $1,886,708Total assets
  • $70,088Cash and due from depository institutions
  • $54,022Interest-bearing balances
  • $268,259Securities
  • $1,871Federal funds sold & reverse repurchase agreements
  • $1,075,001Net loans & leases
  • $12,157Loan loss allowance
  • $0Trading account assets
  • $31,535Bank premises and fixed assets
  • $34,198Other real estate owned
  • $19,274Goodwill and other intangibles
  • $1,886,708Life insurance assets
  • $386,482All other assets
  • $1,731,086Total liabilities and capital
  • $1,548,781Total liabilities
  • $1,301,721Total deposits
  • $1,548,781Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 85033.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $65,982Trading liabilities
  • $0Other borrowed funds
  • $31,290Subordinated debt
  • $155,622All other liabilities
  • $155,622Total equity capital
  • $155,622Total bank equity capital
  • $0Perpetual preferred stock
  • $3,250Common stock
  • $112,972Surplus
  • $39,400Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $141,531Income earned, not collected on loans
  • $0Earning assets
  • $6,474Long-term assets (5+ years)
  • $1,399,153Average Assets, year-to-date
  • $209,449Average Assets, quarterly
  • $1,500,814Volatile liabilities
  • $1,928,449Insider loans
  • $1,033,953FHLB advances
  • $1,892,215Loans and leases held for sale
  • $2,652Unused loan commitments
  • $385Tier 1 (core) risk-based capital
  • $136,273Tier 2 risk-based capital
  • $1,170Total risk weighted assets
  • $1,097Total unused commitments
  • $289,153Restructured Loans and leases
  • $6,430Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $62,696Total interest income
  • $9,395Total interest expense
  • $53,301Net interest income
  • $6,714Provision for loan and lease losses
  • $33,669Total noninterest income
  • $0Fiduciary activities
  • $1,996Service charges on deposit accounts
  • $0Trading account gains & fees
  • $31,673Additional noninterest income
  • $36,905Total noninterest expense
  • $16,826Salaries and employee benefits
  • $4,498Premises and equipment expense
  • $15,581Additional noninterest expense
  • $43,351Pre-tax net operating income
  • $71Securities gains (losses)
  • $17,029Applicable income taxes
  • $26,393Income before extraordinary items
  • $0Extraordinary gains - net
  • $26,393Net income attributable to bank
  • $0Net charge-offs
  • $26,393Cash dividends
  • $8,856Sale, conversion, retirement of capital stock, net
  • $9,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.19%Yield on earning assets
  • 0.78%Cost of funding earning assets
  • 4.41%Net interest margin
  • 2.79%Noninterest income to earning assets
  • 3.06%Noninterest expense to earning assets
  • 1.76%Net operating income to assets
  • 1.76%Return on assets (ROA)
  • 2.89%Pretax return on assets
  • 22.03%Return on equity (ROE)
  • 14.52%Retained earnings to average equity (YTD only)
  • 0.98%Net charge-offs to loans
  • 75.81%Credit loss provision to net charge-offs
  • 5.65%Efficiency ratio
  • 41,374Assets per employee
  • 9.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.10%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 8.59%Noncurrent assets plus other real estate owned to assets
  • 9.31%Noncurrent loans to loans
  • 13.02%Net loans and leases to deposits
  • 69.41%Net loans and leases to core deposits
  • 84.28%Equity capital to assets
  • 8.25%Core capital (leverage) ratio
  • 7.20%Tier 1 risk-based capital ratio
  • 13.18%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,500,814Average earning assets
  • $119,779Average equity
  • $1,207,938Average loans

List of branches

  • 20 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0356990Northbrook Bank And Trust Company1100 Waukegan Road, Northbrook, IL 60062November 22, 2000Full Service Brick and Mortar
    1431929Buffalo Grove Branch200 North Buffalo Grove Road, Buffalo Grove, IL 60089September 01, 2004Full Service Brick and Mortar
    2289893Northview Main Branch245 Waukegan Road, Northfield, IL 60093May 06, 1997Full Service Brick and Mortar
    3442582Northview Orchard Branch1751 Orchard Lane, Northfield, IL 60093December 12, 2004Full Service Retail
    4453549West Northbrook Branch875 Sanders Road, Northbrook, IL 60062December 05, 2005Full Service Brick and Mortar
    5473624Deerfield Branch660 Deerfield Road, Deerfield, IL 60015Febuary 25, 2008Full Service Brick and Mortar
    643434Lincoln Park Community Bank1946 W Irving Pk Road, Chicago, IL 60613January 01, 1946Full Service Brick and Mortar
    7360025Harlem Avenue Branch3050 North Harlem Avenue, Chicago, IL 60634April 30, 2001Full Service Brick and Mortar
    8363590Roscoe Village Branch3234 N. Damen Avenue, Chicago, IL 60618January 14, 2002Full Service Brick and Mortar
    9363592West Irving Park Road2139 West Irving Park Road, Chicago, IL 60613May 10, 2002Full Service Brick and Mortar
    1056990Ravenswood Community Bank2300 West Lawrence Avenue, Chicago, IL 60625August 26, 1996Full Service Brick and Mortar
    11478278Mt. Prospect Branch320 East Northwest Hwy, Mount Prospect, IL 60056June 23, 2008Full Service Brick and Mortar
    12432368Rogers Pak Community Bank7555 North Western Avenue, Chicago, IL 60645November 01, 2005Full Service Brick and Mortar
    1340769First Chicago Bank & Trust Branch1040 W Randolph St, Chicago, IL 60607January 01, 1905Full Service Brick and Mortar
    14359071Norridge Branch7040 W Forest Preserve Drive, Norridge, IL 60706September 27, 1999Full Service Brick and Mortar
    15453602Milwaukee Ave. Branch6336 N. Milwaukee Ave., Chicago, IL 60646May 01, 2006Full Service Brick and Mortar
    1647189Bloomingdale Branch150 South Bloomingdale Road, Bloomingdale, IL 60108August 14, 1991Full Service Brick and Mortar
    17289645Park Ridge Branch - Touhy Ave.950 W. Touhy Ave., Park Ridge, IL 60068August 24, 1998Full Service Brick and Mortar
    18289646Elston Ave Branch4343 N Elston Ave, Chicago, IL 60641July 12, 1999Full Service Brick and Mortar
    19493437Itasca Branch1145 N. Arlington Heights Rd, Itasca, IL 60143April 20, 2009Full Service Brick and Mortar

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