Oswego Community Bank in Oswego, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Oswego Community Bank - Overview

  • General
  • FDIC Certificate #: 17899
    Status: Active
    Federal Reserve ID: 23540
    Bank Holding Company (Regulatory Top Holder): Metropolitan Bank Group, Inc. (RSSDID: 1204627, Location: Chicago, IL)
    Date Established: August 30, 1958
    WWW: http://www.oswegocommunitybank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 11838
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 30, 1958
    Last Structure Change Effective Date: October 19, 2008
    Last Structure Change Process Date: November 20, 2008
    Last Data Update: November 20, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 10 North Madison Street, Oswego, IL 60543
    County: Kendall
    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 Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $188.5 mil
    Equity capital: $12.5 mil
    Deposits held in domestic offices: $174.5 mil
    Return on assets (ROA): 0.16% ($0.3 mil)
    Quarterly return on assets: 0.40% ($0.8 mil)
    Return on Equity (ROE): 2.49% ($0.3 mil)
    Quarterly return on equity: 6.29% ($0.8 mil)
    Net income: $0.3 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: -0.35% (-$659.6 mil)
    Quarterly Pretax return on assets: -0.88% (-$1,658.4 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
  • 36Total employees (full-time equivalent)
  • $188,451Total assets
  • $13,812Cash and due from depository institutions
  • $11,852Interest-bearing balances
  • $69,734Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $95,253Net loans & leases
  • $2,382Loan loss allowance
  • $0Trading account assets
  • $5,271Bank premises and fixed assets
  • $976Other real estate owned
  • $1,135Goodwill and other intangibles
  • $188,451Life insurance assets
  • $2,270All other assets
  • $175,939Total liabilities and capital
  • $174,492Total liabilities
  • $153,844Total deposits
  • $174,492Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,447Subordinated debt
  • $12,512All other liabilities
  • $12,512Total equity capital
  • $12,512Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $21,309Surplus
  • $-9,197Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $5,026Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,662Income earned, not collected on loans
  • $0Earning assets
  • $794Long-term assets (5+ years)
  • $176,839Average Assets, year-to-date
  • $70,556Average Assets, quarterly
  • $191,969Volatile liabilities
  • $195,848Insider loans
  • $101,931FHLB advances
  • $192,961Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,485Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,421Restructured Loans and leases
  • $2,238Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,541Total interest income
  • $977Total interest expense
  • $5,564Net interest income
  • $2,237Provision for loan and lease losses
  • $1,446Total noninterest income
  • $7Fiduciary activities
  • $358Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,081Additional noninterest income
  • $5,475Total noninterest expense
  • $2,660Salaries and employee benefits
  • $527Premises and equipment expense
  • $2,288Additional noninterest expense
  • -$702Pre-tax net operating income
  • $38Securities gains (losses)
  • -$967Applicable income taxes
  • $303Income before extraordinary items
  • $0Extraordinary gains - net
  • $303Net income attributable to bank
  • $0Net charge-offs
  • $303Cash dividends
  • $1,787Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.61%Yield on earning assets
  • 0.54%Cost of funding earning assets
  • 3.07%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.02%Noninterest expense to earning assets
  • 0.15%Net operating income to assets
  • 0.16%Return on assets (ROA)
  • -0.35%Pretax return on assets
  • 2.49%Return on equity (ROE)
  • 2.49%Retained earnings to average equity (YTD only)
  • 2.21%Net charge-offs to loans
  • 125.18%Credit loss provision to net charge-offs
  • 0.86%Efficiency ratio
  • 72,240Assets per employee
  • 5.23%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.44%Loss allowance to noncurrent loans
  • 42.07%Noncurrent assets plus other real estate owned to assets
  • 3.52%Noncurrent loans to loans
  • 5.80%Net loans and leases to deposits
  • 54.59%Net loans and leases to core deposits
  • 61.44%Equity capital to assets
  • 6.64%Core capital (leverage) ratio
  • 5.43%Tier 1 risk-based capital ratio
  • 10.29%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $191,969Average earning assets
  • $12,176Average equity
  • $181,007Average 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
  • $1Managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 40Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011838Oswego Community Bank10 North Madison Street, Oswego, IL 60543August 30, 1958Full Service Brick and Mortar
    1243111Monroe Drive-In Facility36 Monroe Street, Oswego, IL 60543May 18, 1979Limited Service Facility
    2243112Boulder Hill Pass Branch89 Boulder Hill Pass, Montgomery, IL 60538March 05, 1990Full Service Brick and Mortar

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