FDIC Certificate #: 5738 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Old Second National Bank (#3603) Federal Reserve ID: 582234 Date Established: January 01, 1890 Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 7 (Interstate: No) FDIC's unique #: 3912 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: July 01, 2007 Last Structure Change Process Date: July 13, 2007 Last Data Update: July 13, 2007 Data Source Date: April 05, 2012
Location
Address: 749 North Main Street, Elburn, IL 60119 County: Kane 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)
Financial Summary
Total assets: $418.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
61Total employees (full-time equivalent)
$408,928Total assets
$7,741Cash and due from depository institutions
$31Interest-bearing balances
$76,791Securities
$44,230Federal funds sold & reverse repurchase agreements
$260,363Net loans & leases
$2,138Loan loss allowance
$0Trading account assets
$6,242Bank premises and fixed assets
$0Other real estate owned
$2,130Goodwill and other intangibles
$5,825Life insurance assets
$11,431All other assets
$408,927Total liabilities and capital
$375,139Total liabilities
$371,525Total deposits
$336,338Interest-bearing deposits
$371,525Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$458Other borrowed funds
$0Subordinated debt
$3,156All other liabilities
$33,788Total equity capital
$33,788Total bank equity capital
$33,788Perpetual preferred stock
$0Common stock
$1,000Surplus
$14,533Undivided profits
Memoranda
$18,255Noncurrent loans and leases
$90,366Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$638Earning assets
$0Long-term assets (5+ years)
$2,634Average Assets, year-to-date
$381,415Average Assets, quarterly
$56,882Volatile liabilities
$395,629Insider loans
$409,877FHLB advances
$77,662Loans and leases held for sale
$5,573Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$656Total risk weighted assets
$90,366Total unused commitments
$0Restructured Loans and leases
$2,138Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$23,261Total interest income
$11,655Total interest expense
$11,606Net interest income
$450Provision for loan and lease losses
$1,982Total noninterest income
$0Fiduciary activities
$989Service charges on deposit accounts
$0Trading account gains & fees
$993Additional noninterest income
$8,153Total noninterest expense
$5,045Salaries and employee benefits
$1,241Premises and equipment expense
$1,867Additional noninterest expense
$4,985Pre-tax net operating income
$0Securities gains (losses)
$1,459Applicable income taxes
$3,526Income before extraordinary items
$0Extraordinary gains - net
$3,526Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$208Sale, conversion, retirement of capital stock, net
$530Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.30%Yield on earning assets
3.15%Cost of funding earning assets
3.14%Net interest margin
0.54%Noninterest income to earning assets
2.21%Noninterest expense to earning assets
0.89%Net operating income to assets
0.89%Return on assets (ROA)
1.26%Pretax return on assets
10.94%Return on equity (ROE)
9.29%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
216.35%Credit loss provision to net charge-offs
26.13%Efficiency ratio
60,001Assets per employee
6.70%Cash dividends to net income (YTD only)
Condition Ratios (%)
15.03%Loss allowance to loans
0.81%Loss allowance to noncurrent loans
335.11%Noncurrent assets plus other real estate owned to assets
0.16%Noncurrent loans to loans
0.24%Net loans and leases to deposits
70.08%Net loans and leases to core deposits
88.60%Equity capital to assets
8.26%Core capital (leverage) ratio
7.88%Tier 1 risk-based capital ratio
10.98%Total risk-based capital ratio
Memoranda
$12Average assets
$395,629Average earning assets
$32,239Average equity
$369,422Average loans
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