Old Second National Bank in Aurora, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Old Second National Bank - Overview

  • General
  • FDIC Certificate #: 3603
    Status: Active
    Federal Reserve ID: 936136
    Bank Holding Company (Regulatory Top Holder): Old Second Bancorp, Inc. (RSSDID: 1206911, Location: Aurora, IL)
    Date Established: November 21, 1887
    WWW: http://www.oldsecond.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 27 (Domestic: 27, Interstate: No)
    OTS Docket #: 14165
    FDIC's unique #: 2293
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 09, 2008
    Last Structure Change Process Date: March 03, 2008
    Last Data Update: March 03, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 37-39 South River Street, Aurora, IL 60506
    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)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $1,939.3 mil
    Equity capital: $182.3 mil
    Deposits held in domestic offices: $1,741.1 mil
    Return on assets (ROA): 0.02% ($0.4 mil)
    Quarterly return on assets: -0.26% (-$5.0 mil)
    Return on Equity (ROE): 0.21% ($0.4 mil)
    Quarterly return on equity: -2.70% (-$4.9 mil)
    Net income: $0.4 mil
    Quarterly Net income: -$1.3 mil
    Pretax return on assets: 0.02% ($387.9 mil)
    Quarterly Pretax return on assets: -0.26% (-$5,042.2 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
  • 492Total employees (full-time equivalent)
  • $1,939,325Total assets
  • $50,949Cash and due from depository institutions
  • $45,799Interest-bearing balances
  • $307,564Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,329,794Net loans & leases
  • $51,997Loan loss allowance
  • $0Trading account assets
  • $50,477Bank premises and fixed assets
  • $93,290Other real estate owned
  • $8,165Goodwill and other intangibles
  • $1,939,325Life insurance assets
  • $99,086All other assets
  • $1,757,019Total liabilities and capital
  • $1,741,134Total liabilities
  • $1,506,995Total deposits
  • $1,741,134Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 901.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $14,984Subordinated debt
  • $182,306All other liabilities
  • $182,306Total equity capital
  • $182,306Total bank equity capital
  • $0Perpetual preferred stock
  • $2,160Common stock
  • $156,769Surplus
  • $23,377Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $12,806Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $127,104Income earned, not collected on loans
  • $0Earning assets
  • $5,712Long-term assets (5+ years)
  • $1,683,157Average Assets, year-to-date
  • $161,596Average Assets, quarterly
  • $2,023,764Volatile liabilities
  • $1,944,623Insider loans
  • $1,547,144FHLB advances
  • $1,937,396Loans and leases held for sale
  • $53,669Unused loan commitments
  • $26,830Tier 1 (core) risk-based capital
  • $180,981Tier 2 risk-based capital
  • $26,839Total risk weighted assets
  • $0Total unused commitments
  • $263,847Restructured Loans and leases
  • $11,361Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $85,285Total interest income
  • $16,078Total interest expense
  • $69,207Net interest income
  • $8,887Provision for loan and lease losses
  • $20,264Total noninterest income
  • $6,817Fiduciary activities
  • $8,135Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,312Additional noninterest income
  • $80,817Total noninterest expense
  • $33,123Salaries and employee benefits
  • $10,697Premises and equipment expense
  • $36,997Additional noninterest expense
  • -$233Pre-tax net operating income
  • $631Securities gains (losses)
  • $0Applicable income taxes
  • $398Income before extraordinary items
  • $0Extraordinary gains - net
  • $398Net income attributable to bank
  • $0Net charge-offs
  • $398Cash dividends
  • $33,198Sale, conversion, retirement of capital stock, net
  • $6,466Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.92%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 3.99%Net interest margin
  • 1.17%Noninterest income to earning assets
  • 4.66%Noninterest expense to earning assets
  • -0.01%Net operating income to assets
  • 0.02%Return on assets (ROA)
  • 0.02%Pretax return on assets
  • 0.21%Return on equity (ROE)
  • -3.23%Retained earnings to average equity (YTD only)
  • 2.17%Net charge-offs to loans
  • 26.77%Credit loss provision to net charge-offs
  • 0.26%Efficiency ratio
  • 89,381Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1624.62%Loss allowance to loans
  • 3.76%Loss allowance to noncurrent loans
  • 40.91%Noncurrent assets plus other real estate owned to assets
  • 11.36%Noncurrent loans to loans
  • 9.20%Net loans and leases to deposits
  • 76.38%Net loans and leases to core deposits
  • 76.42%Equity capital to assets
  • 9.40%Core capital (leverage) ratio
  • 9.34%Tier 1 risk-based capital ratio
  • 11.70%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $2,023,764Average earning assets
  • $188,083Average equity
  • $1,733,033Average 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
  • $816,610Managed Assets
  • 1Number of Accounts
  • $741,708Personal trust and agency accounts
  • $231,298Employee benefit-defined contribution accounts
  • $85,613Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $52,414Corporate trust and agency accounts
  • $54Investment management agency accounts
  • $288,365Other fiduciary accounts
  • $83,918Fiduciary accounts held in foreign offices
  • $46Non-managed Assets
  • 1619Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $74,902Other retirement accounts
  • $22,784Corporate trust and agency accounts
  • $34,427Other fiduciary accounts
  • $9,915Fiduciary accounts held in foreign offices

List of branches

  • 27 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02293Old Second National Bank37-39 South River Street, Aurora, IL 60506November 21, 1887Full Service Brick and Mortar
    1201443Old Second Batavia Branch1078 East Wilson Street, Batavia, IL 60510December 22, 1986Full Service Brick and Mortar
    2201444Fox Valley Center Branch4080 Fox Valley Center Drive, Aurora, IL 60504July 22, 1991Full Service Brick and Mortar
    3201445West Aurora-Redwood Drive Branch555 Redwood Drive, Aurora, IL 60506January 04, 1993Full Service Brick and Mortar
    4201446Oswego Branch1200 Douglas Road, Oswego, IL 60543April 14, 1997Full Service Brick and Mortar
    7201448St. Charles Branch801 S. Kirk Road, Saint Charles, IL 60174September 30, 1996Full Service Brick and Mortar
    915620Farnsworth Branch1350 North Farnsworth Avenue, Aurora, IL 60505Febuary 21, 1977Full Service Brick and Mortar
    1013903North Aurora Branch200 West John Street, North Aurora, IL 60542August 13, 1970Full Service Brick and Mortar
    11201450Lisle/Naperville Branch3101 Ogden Road, Lisle, IL 60532Febuary 01, 2000Full Service Brick and Mortar
    1215198Sugar Grove BranchCross Street At Illinois Route 47, Sugar Grove, IL 60554Febuary 21, 1975Full Service Brick and Mortar
    14364473Orchard Branch1230 N. Orchard Road, Aurora, IL 60506January 01, 2002Full Service Brick and Mortar
    19451761East Batavia Branch1991 West Wilson Street, Batavia, IL 60510March 03, 2006Full Service Brick and Mortar
    20457973Elgin-Route 20 Branch3290 Us Highway 20 And Nesler Road, Elgin, IL 60123November 06, 2006Full Service Brick and Mortar
    22201872Countryside Branch26 West Countryside Parkway, Yorkville, IL 60560September 15, 1988Full Service Brick and Mortar
    24253177Ottawa Branch323 East Norris Drive, Ottawa, IL 61350Febuary 01, 1978Full Service Brick and Mortar
    27457912Plano West Branch7050 Burroughs Avenue, Plano, IL 60545December 04, 2006Full Service Brick and Mortar
    283912Elburn Branch749 North Main Street, Elburn, IL 60119January 01, 1890Full Service Brick and Mortar
    29208083Wasco Branch40w422 Route #64, Wasco, IL 60183September 16, 1991Full Service Brick and Mortar
    301205Maple Park1100 South County Road, Maple Park, IL 60151March 03, 1903Full Service Brick and Mortar
    31201449Kaneville Branch2 S 101 Harter Road, Kaneville, IL 60144May 14, 1997Full Service Brick and Mortar
    325921Burlington Branch194 South Main Street, Burlington, IL 60109September 10, 1919Full Service Brick and Mortar
    33419578Sycamore Branch1810 Dekalb Avenue, Sycamore, IL 60178May 28, 2003Full Service Brick and Mortar
    37465751Elgin Mclean Branch1000 S Mclean Blvd, Elgin, IL 60123November 06, 2006Full Service Brick and Mortar
    3811854Frankfort Branch20201 South La Grange Road, Frankfort, IL 60423November 18, 1958Full Service Brick and Mortar
    40441891New Lenox Branch951 East Lincoln Highway, New Lenox, IL 60451June 21, 2004Full Service Brick and Mortar
    41445554Chicago Heights Branch195 West Joe Road, Chicago Heights, IL 60411June 30, 2005Full Service Brick and Mortar
    44492780Joliet Branch850 Essington, Joliet, IL 60435August 31, 2008Full Service Brick and Mortar

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