Oswego Community Bank in Oswego, Illinois (IL)



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Oswego Community Bank routing number info

Table of contents:
Oswego Community Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Geographic Region/Area/Territory/Field Office
Financial SummaryTotal 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)
Total employees (full-time equivalent)36
Total assets$188,451
Cash and due from depository institutions$13,812
Interest-bearing balances$11,852
Securities$69,734
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$95,253
Loan loss allowance $2,382
Trading account assets$0
Bank premises and fixed assets$5,271
Other real estate owned$976
Goodwill and other intangibles$1,135
All other assets$2,270
Life insurance assets$188,451
Total liabilities and capital$175,939
Total liabilities$174,492
Total deposits$153,844
Interest-bearing deposits$174,492
Deposits held in domestic offices$76
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,447
All other liabilities $12,512
Total equity capital$12,512
Total bank equity capital$12,512
Perpetual preferred stock$0
Common stock$400
Surplus$21,309
Undivided profits $-9,197
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $5,026
Income earned, not collected on loans $5,662
Earning assets $0
Long-term assets (5+ years) $794
Average Assets, year-to-date $176,839
Average Assets, quarterly $70,556
Volatile liabilities $191,969
Insider loans $195,848
FHLB advances $101,931
Loans and leases held for sale $192,961
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $10,485
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $9,421
Derivatives$2,238
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $6,541
Total interest expense $977
Net interest income $5,564
Provision for loan and lease losses $2,237
Total noninterest income $1,446
Fiduciary activities $7
Service charges on deposit accounts $358
Trading account gains & fees $0
Additional noninterest income $1,081
Total noninterest expense $5,475
Salaries and employee benefits $2,660
Premises and equipment expense $527
Additional noninterest expense $2,288
Pre-tax net operating income -$702
Securities gains (losses) $38
Applicable income taxes -$967
Income before extraordinary items $303
Extraordinary gains - net $0
Net income attributable to bank $303
Net charge-offs $0
Cash dividends $303
Sale, conversion, retirement of capital stock, net $1,787
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.61%
Cost of funding earning assets 0.54%
Net interest margin 3.07%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 3.02%
Net operating income to assets 0.15%
Return on assets (ROA) 0.16%
Pretax return on assets -0.35%
Return on equity (ROE) 2.49%
Retained earnings to average equity (YTD only) 2.49%
Net charge-offs to loans 2.21%
Credit loss provision to net charge-offs 125.18%
Efficiency ratio0.86%
Assets per employee$72,240
Cash dividends to net income (YTD only)5.23%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.44%
Noncurrent assets plus other real estate owned to assets 42.07%
Noncurrent loans to loans 3.52%
Net loans and leases to deposits5.80%
Net loans and leases to core deposits 54.59%
Equity capital to assets 61.44%
Core capital (leverage) ratio 6.64%
Tier 1 risk-based capital ratio 5.43%
Total risk-based capital ratio 10.29%
Memoranda
Average assets$12
Average earning assets$191,969
Average equity $12,176
Average loans $181,007
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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$1
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts40
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$1
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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