Old Second National Bank in Aurora, Illinois (IL)



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Old Second National Bank
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal 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)
Total employees (full-time equivalent)492
Total assets$1,939,325
Cash and due from depository institutions$50,949
Interest-bearing balances$45,799
Securities$307,564
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$1,329,794
Loan loss allowance $51,997
Trading account assets$0
Bank premises and fixed assets$50,477
Other real estate owned$93,290
Goodwill and other intangibles$8,165
All other assets$99,086
Life insurance assets$1,939,325
Total liabilities and capital$1,757,019
Total liabilities$1,741,134
Total deposits$1,506,995
Interest-bearing deposits$1,741,134
Deposits held in domestic offices$95
% insured (estimated)901.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $14,984
All other liabilities $182,306
Total equity capital$182,306
Total bank equity capital$182,306
Perpetual preferred stock$0
Common stock$2,160
Surplus$156,769
Undivided profits $23,377
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $12,806
Income earned, not collected on loans $127,104
Earning assets $0
Long-term assets (5+ years) $5,712
Average Assets, year-to-date $1,683,157
Average Assets, quarterly $161,596
Volatile liabilities $2,023,764
Insider loans $1,944,623
FHLB advances $1,547,144
Loans and leases held for sale $1,937,396
Unused loan commitments $53,669
Tier 1 (core) risk-based capital $26,830
Tier 2 risk-based capital $180,981
Total risk weighted assets $26,839
Total unused commitments $0
Restructured Loans and leases $263,847
Derivatives$11,361
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $85,285
Total interest expense $16,078
Net interest income $69,207
Provision for loan and lease losses $8,887
Total noninterest income $20,264
Fiduciary activities $6,817
Service charges on deposit accounts $8,135
Trading account gains & fees $0
Additional noninterest income $5,312
Total noninterest expense $80,817
Salaries and employee benefits $33,123
Premises and equipment expense $10,697
Additional noninterest expense $36,997
Pre-tax net operating income -$233
Securities gains (losses) $631
Applicable income taxes $0
Income before extraordinary items $398
Extraordinary gains - net $0
Net income attributable to bank $398
Net charge-offs $0
Cash dividends $398
Sale, conversion, retirement of capital stock, net $33,198
Net operating income $6,466
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.92%
Cost of funding earning assets 0.93%
Net interest margin 3.99%
Noninterest income to earning assets 1.17%
Noninterest expense to earning assets 4.66%
Net operating income to assets -0.01%
Return on assets (ROA) 0.02%
Pretax return on assets 0.02%
Return on equity (ROE) 0.21%
Retained earnings to average equity (YTD only) -3.23%
Net charge-offs to loans 2.17%
Credit loss provision to net charge-offs 26.77%
Efficiency ratio0.26%
Assets per employee$89,381
Cash dividends to net income (YTD only)3.94%
Condition Ratios (%)
Loss allowance to loans 1624.62%
Loss allowance to noncurrent loans 3.76%
Noncurrent assets plus other real estate owned to assets 40.91%
Noncurrent loans to loans 11.36%
Net loans and leases to deposits9.20%
Net loans and leases to core deposits 76.38%
Equity capital to assets 76.42%
Core capital (leverage) ratio 9.40%
Tier 1 risk-based capital ratio 9.34%
Total risk-based capital ratio 11.70%
Memoranda
Average assets$13
Average earning assets$2,023,764
Average equity $188,083
Average loans $1,733,033
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$816,610
Number of Accounts1
Personal trust and agency accounts$741,708
Employee benefit-defined contribution accounts$231,298
Employee benefit-defined benefit accounts$85,613
Other retirement accounts$0
Corporate trust and agency accounts$52,414
Investment management agency accounts$54
Other fiduciary accounts$288,365
Fiduciary accounts held in foreign offices$83,918
Non-managed Assets$46
Number of Accounts1619
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$74,902
Corporate trust and agency accounts$22,784
Other fiduciary accounts$34,427
Fiduciary accounts held in foreign offices$9,915
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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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