Oxford Bank & Trust in Oak Brook, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Oxford Bank & Trust - Overview

  • General
  • FDIC Certificate #: 9260
    Status: Active
    Federal Reserve ID: 647432
    Bank Holding Company (Regulatory Top Holder): Oxford Financial Corporation (RSSDID: 1248032, Location: Oak Brook, IL)
    Date Established: November 10, 1902
    WWW: http://www.oxfordbankonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 11032
    FDIC's unique #: 5920
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1111 West 22nd Street, Suite 800, Oak Brook, IL 60523
    County: Dupage
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $485.2 mil
    Equity capital: $41.1 mil
    Deposits held in domestic offices: $442.6 mil
    Return on assets (ROA): -0.25% (-$1.2 mil)
    Quarterly return on assets: -2.83% (-$13.7 mil)
    Return on Equity (ROE): -3.05% (-$1.3 mil)
    Quarterly return on equity: -32.12% (-$13.2 mil)
    Net income: -$1.3 mil
    Quarterly Net income: -$3.4 mil
    Pretax return on assets: -0.25% (-$1,213.0 mil)
    Quarterly Pretax return on assets: -2.83% (-$13,730.9 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
  • 123Total employees (full-time equivalent)
  • $485,192Total assets
  • $90,574Cash and due from depository institutions
  • $88,133Interest-bearing balances
  • $24,427Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $315,297Net loans & leases
  • $7,013Loan loss allowance
  • $0Trading account assets
  • $13,311Bank premises and fixed assets
  • $33,115Other real estate owned
  • $0Goodwill and other intangibles
  • $485,192Life insurance assets
  • $8,468All other assets
  • $444,112Total liabilities and capital
  • $442,553Total liabilities
  • $389,029Total deposits
  • $442,553Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,559Subordinated debt
  • $41,080All other liabilities
  • $41,080Total equity capital
  • $41,080Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $36,800Surplus
  • $3,080Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24,668Income earned, not collected on loans
  • $0Earning assets
  • $1,784Long-term assets (5+ years)
  • $427,857Average Assets, year-to-date
  • $51,185Average Assets, quarterly
  • $528,064Volatile liabilities
  • $487,321Insider loans
  • $361,102FHLB advances
  • $486,859Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $40,130Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $40,123Restructured Loans and leases
  • $46Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,528Total interest income
  • $2,867Total interest expense
  • $17,661Net interest income
  • $5,607Provision for loan and lease losses
  • $7,853Total noninterest income
  • $72Fiduciary activities
  • $1,016Service charges on deposit accounts
  • $0Trading account gains & fees
  • $6,765Additional noninterest income
  • $21,242Total noninterest expense
  • $8,777Salaries and employee benefits
  • $2,561Premises and equipment expense
  • $9,904Additional noninterest expense
  • -$1,335Pre-tax net operating income
  • $0Securities gains (losses)
  • $3Applicable income taxes
  • -$1,338Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,338Net income attributable to bank
  • $0Net charge-offs
  • -$1,338Cash dividends
  • $5,759Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.41%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 3.79%Net interest margin
  • 1.69%Noninterest income to earning assets
  • 4.56%Noninterest expense to earning assets
  • -0.25%Net operating income to assets
  • -0.25%Return on assets (ROA)
  • -0.25%Pretax return on assets
  • -3.05%Return on equity (ROE)
  • -3.05%Retained earnings to average equity (YTD only)
  • 1.65%Net charge-offs to loans
  • 97.36%Credit loss provision to net charge-offs
  • 0.74%Efficiency ratio
  • 83,256Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.18%Loss allowance to noncurrent loans
  • 28.43%Noncurrent assets plus other real estate owned to assets
  • 11.91%Noncurrent loans to loans
  • 7.65%Net loans and leases to deposits
  • 71.25%Net loans and leases to core deposits
  • 74.81%Equity capital to assets
  • 8.47%Core capital (leverage) ratio
  • 8.24%Tier 1 risk-based capital ratio
  • 11.11%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $528,064Average earning assets
  • $43,868Average equity
  • $465,850Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $70,785Managed Assets
  • 1Number of Accounts
  • $70,273Personal trust and agency accounts
  • $26,420Employee benefit-defined contribution accounts
  • $10,750Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $33,103Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 280Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $512Other retirement accounts
  • $501Corporate trust and agency accounts
  • $11Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 8 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05920Oxford Bank & Trust1111 West 22nd Street, Suite 800, Oak Brook, IL 60523November 10, 1902Full Service Brick and Mortar
    1219787Drive-In Facility115 North Addison Road, Addison, IL 60101October 21, 1970Limited Service Facility
    2219788Addison Road Facility205 North Addison Road, Addison, IL 60101December 26, 1979Full Service Brick and Mortar
    3219789Rt 59 Facility2920 83rd St, Naperville, IL 60564October 01, 1998Full Service Brick and Mortar
    4219790Book Road Branch1260 Book Road, Naperville, IL 60563September 01, 1999Full Service Brick and Mortar
    5365353Westmont Branch6495 S. Cass Ave, Westmont, IL 60559January 02, 2002Full Service Brick and Mortar
    6419069Plainfield Branch13440 Route 59, Plainfield, IL 60585Febuary 10, 2003Full Service Brick and Mortar
    74452851520 West Lake Street Branch1520 West Lake Street, Addison, IL 60101May 17, 2004Full Service Brick and Mortar

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