Old Second National Bank in Aurora, Illinois (IL)
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| Old Second National Bank | |
|---|---|
| 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) |
| 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 |
| 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 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.92% |
| 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 ratio | 0.26% |
| 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 deposits | 9.20% |
| 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 |
| 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 Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $816,610 |
| Number of Accounts | 1 |
| 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 Accounts | 1619 |
| 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 |
| 27 Illinois Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 2293 | Old Second National Bank | 37-39 South River Street, Aurora, IL 60506 | November 21, 1887 | Full Service Brick and Mortar |  |
| 1 | 201443 | Old Second Batavia Branch | 1078 East Wilson Street, Batavia, IL 60510 | December 22, 1986 | Full Service Brick and Mortar |  |
| 2 | 201444 | Fox Valley Center Branch | 4080 Fox Valley Center Drive, Aurora, IL 60504 | July 22, 1991 | Full Service Brick and Mortar | |
| 3 | 201445 | West Aurora-Redwood Drive Branch | 555 Redwood Drive, Aurora, IL 60506 | January 04, 1993 | Full Service Brick and Mortar | |
| 4 | 201446 | Oswego Branch | 1200 Douglas Road, Oswego, IL 60543 | April 14, 1997 | Full Service Brick and Mortar | |
| 7 | 201448 | St. Charles Branch | 801 S. Kirk Road, Saint Charles, IL 60174 | September 30, 1996 | Full Service Brick and Mortar | |
| 9 | 15620 | Farnsworth Branch | 1350 North Farnsworth Avenue, Aurora, IL 60505 | Febuary 21, 1977 | Full Service Brick and Mortar | |
| 10 | 13903 | North Aurora Branch | 200 West John Street, North Aurora, IL 60542 | August 13, 1970 | Full Service Brick and Mortar | |
| 11 | 201450 | Lisle/Naperville Branch | 3101 Ogden Road, Lisle, IL 60532 | Febuary 01, 2000 | Full Service Brick and Mortar | |
| 12 | 15198 | Sugar Grove Branch | Cross Street At Illinois Route 47, Sugar Grove, IL 60554 | Febuary 21, 1975 | Full Service Brick and Mortar | |
| 14 | 364473 | Orchard Branch | 1230 N. Orchard Road, Aurora, IL 60506 | January 01, 2002 | Full Service Brick and Mortar | |
| 19 | 451761 | East Batavia Branch | 1991 West Wilson Street, Batavia, IL 60510 | March 03, 2006 | Full Service Brick and Mortar | |
| 20 | 457973 | Elgin-Route 20 Branch | 3290 Us Highway 20 And Nesler Road, Elgin, IL 60123 | November 06, 2006 | Full Service Brick and Mortar | |
| 22 | 201872 | Countryside Branch | 26 West Countryside Parkway, Yorkville, IL 60560 | September 15, 1988 | Full Service Brick and Mortar | |
| 24 | 253177 | Ottawa Branch | 323 East Norris Drive, Ottawa, IL 61350 | Febuary 01, 1978 | Full Service Brick and Mortar | |
| 27 | 457912 | Plano West Branch | 7050 Burroughs Avenue, Plano, IL 60545 | December 04, 2006 | Full Service Brick and Mortar | |
| 28 | 3912 | Elburn Branch | 749 North Main Street, Elburn, IL 60119 | January 01, 1890 | Full Service Brick and Mortar | |
| 29 | 208083 | Wasco Branch | 40w422 Route #64, Wasco, IL 60183 | September 16, 1991 | Full Service Brick and Mortar | |
| 30 | 1205 | Maple Park | 1100 South County Road, Maple Park, IL 60151 | March 03, 1903 | Full Service Brick and Mortar | |
| 31 | 201449 | Kaneville Branch | 2 S 101 Harter Road, Kaneville, IL 60144 | May 14, 1997 | Full Service Brick and Mortar | |
| 32 | 5921 | Burlington Branch | 194 South Main Street, Burlington, IL 60109 | September 10, 1919 | Full Service Brick and Mortar | |
| 33 | 419578 | Sycamore Branch | 1810 Dekalb Avenue, Sycamore, IL 60178 | May 28, 2003 | Full Service Brick and Mortar | |
| 37 | 465751 | Elgin Mclean Branch | 1000 S Mclean Blvd, Elgin, IL 60123 | November 06, 2006 | Full Service Brick and Mortar | |
| 38 | 11854 | Frankfort Branch | 20201 South La Grange Road, Frankfort, IL 60423 | November 18, 1958 | Full Service Brick and Mortar | |
| 40 | 441891 | New Lenox Branch | 951 East Lincoln Highway, New Lenox, IL 60451 | June 21, 2004 | Full Service Brick and Mortar | |
| 41 | 445554 | Chicago Heights Branch | 195 West Joe Road, Chicago Heights, IL 60411 | June 30, 2005 | Full Service Brick and Mortar | |
| 44 | 492780 | Joliet Branch | 850 Essington, Joliet, IL 60435 | August 31, 2008 | Full Service Brick and Mortar | |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.