Old Plank Trail Community Bank, National Association in New Lenox, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Old Plank Trail Community Bank, National Association - Overview

  • General
  • FDIC Certificate #: 58314
    Status: Active
    Federal Reserve ID: 3404207
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: March 16, 2006
    WWW: http://www.oldplanktrailbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 445996
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 16, 2006
    Last Structure Change Effective Date: September 28, 2007
    Last Structure Change Process Date: December 20, 2007
    Last Data Update: December 20, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 280 Veterans Parkway, New Lenox, IL 60451
    County: Will
    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
  • Change in Location
  • Financial Summary
  • Total assets: $320.0 mil
    Equity capital: $29.1 mil
    Deposits held in domestic offices: $286.7 mil
    Return on assets (ROA): 0.14% ($0.4 mil)
    Quarterly return on assets: 0.68% ($2.2 mil)
    Return on Equity (ROE): 1.49% ($0.4 mil)
    Quarterly return on equity: 7.63% ($2.2 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.20% ($640.0 mil)
    Quarterly Pretax return on assets: 1.08% ($3,456.2 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
  • 43Total employees (full-time equivalent)
  • $320,019Total assets
  • $9,682Cash and due from depository institutions
  • $6,700Interest-bearing balances
  • $40,985Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $229,937Net loans & leases
  • $2,744Loan loss allowance
  • $0Trading account assets
  • $24,740Bank premises and fixed assets
  • $633Other real estate owned
  • $0Goodwill and other intangibles
  • $320,019Life insurance assets
  • $14,042All other assets
  • $290,894Total liabilities and capital
  • $286,699Total liabilities
  • $263,663Total deposits
  • $286,699Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $2,000Other borrowed funds
  • $2,195Subordinated debt
  • $29,125All other liabilities
  • $29,125Total equity capital
  • $29,125Total bank equity capital
  • $0Perpetual preferred stock
  • $5,000Common stock
  • $26,666Surplus
  • $-2,541Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,115Income earned, not collected on loans
  • $0Earning assets
  • $1,241Long-term assets (5+ years)
  • $277,622Average Assets, year-to-date
  • $15,703Average Assets, quarterly
  • $314,898Volatile liabilities
  • $325,695Insider loans
  • $277,236FHLB advances
  • $322,740Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,072Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $45,850Restructured Loans and leases
  • $994Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,135Total interest income
  • $2,270Total interest expense
  • $8,865Net interest income
  • $1,884Provision for loan and lease losses
  • $1,129Total noninterest income
  • $0Fiduciary activities
  • $213Service charges on deposit accounts
  • $0Trading account gains & fees
  • $916Additional noninterest income
  • $7,510Total noninterest expense
  • $3,539Salaries and employee benefits
  • $1,078Premises and equipment expense
  • $2,893Additional noninterest expense
  • $600Pre-tax net operating income
  • $24Securities gains (losses)
  • $198Applicable income taxes
  • $426Income before extraordinary items
  • $0Extraordinary gains - net
  • $426Net income attributable to bank
  • $0Net charge-offs
  • $426Cash dividends
  • $996Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.02%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 3.20%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.13%Net operating income to assets
  • 0.14%Return on assets (ROA)
  • 0.20%Pretax return on assets
  • 1.49%Return on equity (ROE)
  • 1.49%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 189.16%Credit loss provision to net charge-offs
  • 2.49%Efficiency ratio
  • 75,145Assets per employee
  • 7.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.18%Loss allowance to noncurrent loans
  • 66.68%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 1.77%Net loans and leases to deposits
  • 80.20%Net loans and leases to core deposits
  • 95.69%Equity capital to assets
  • 9.10%Core capital (leverage) ratio
  • 9.01%Tier 1 risk-based capital ratio
  • 10.49%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $314,898Average earning assets
  • $28,662Average equity
  • $276,731Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0445996Old Plank Trail Community Bank, National Association280 Veterans Parkway, New Lenox, IL 60451March 16, 2006Full Service Brick and Mortar
    1453838Frankfort Office Branch20901 S. Lagrange Road, Frankfort, IL 60423March 23, 2006Full Service Brick and Mortar
    2453839Mokena Office Branch20012 Wolf Road, Mokena, IL 60448May 22, 2006Full Service Brick and Mortar

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