PNA Bank in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • PNA Bank in Chicago, Illinois (IL)
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PNA Bank - Overview

  • General
  • FDIC Certificate #: 28299
    Status: Active
    Federal Reserve ID: 2817985
    Date Established: January 01, 1891
    WWW: http://www.pnabank.net
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13824
    FDIC's unique #: 41133
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: December 12, 1938
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4800 South Pulaski Road, Chicago, IL 60632
    County: Cook
    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 Primary Regulatory Agency
  • Financial Summary
  • Total assets: $147.3 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $130.8 mil
    Return on assets (ROA): -7.25% (-$10.7 mil)
    Quarterly return on assets: -2.53% (-$3.7 mil)
    Return on Equity (ROE): -84.78% (-$5.9 mil)
    Quarterly return on equity: -47.91% (-$3.4 mil)
    Net income: -$12.1 mil
    Quarterly Net income: -$0.9 mil
    Pretax return on assets: -7.25% (-$10,679.9 mil)
    Quarterly Pretax return on assets: -2.53% (-$3,726.9 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
  • 21Total employees (full-time equivalent)
  • $147,309Total assets
  • $8,984Cash and due from depository institutions
  • $8,376Interest-bearing balances
  • $10,378Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $120,760Net loans & leases
  • $6,073Loan loss allowance
  • $0Trading account assets
  • $2,270Bank premises and fixed assets
  • $1,085Other real estate owned
  • $362Goodwill and other intangibles
  • $147,309Life insurance assets
  • $3,470All other assets
  • $139,954Total liabilities and capital
  • $130,772Total liabilities
  • $125,070Total deposits
  • $130,772Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,500Trading liabilities
  • $0Other borrowed funds
  • $682Subordinated debt
  • $7,355All other liabilities
  • $7,355Total equity capital
  • $7,355Total bank equity capital
  • $0Perpetual preferred stock
  • $10Common stock
  • $18,882Surplus
  • $-11,537Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $24,467Income earned, not collected on loans
  • $0Earning assets
  • $488Long-term assets (5+ years)
  • $139,514Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $167,093Volatile liabilities
  • $148,344Insider loans
  • $109,462FHLB advances
  • $146,800Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,846Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $870Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,033Total interest income
  • $1,450Total interest expense
  • $4,583Net interest income
  • $7,665Provision for loan and lease losses
  • -$1,190Total noninterest income
  • $0Fiduciary activities
  • $34Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,224Additional noninterest income
  • $8,002Total noninterest expense
  • $1,834Salaries and employee benefits
  • $940Premises and equipment expense
  • $5,228Additional noninterest expense
  • -$12,274Pre-tax net operating income
  • $166Securities gains (losses)
  • $0Applicable income taxes
  • -$12,108Income before extraordinary items
  • $0Extraordinary gains - net
  • -$12,108Net income attributable to bank
  • $0Net charge-offs
  • -$12,108Cash dividends
  • $3,976Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.88%Yield on earning assets
  • 0.93%Cost of funding earning assets
  • 2.94%Net interest margin
  • -0.76%Noninterest income to earning assets
  • 5.14%Noninterest expense to earning assets
  • -7.35%Net operating income to assets
  • -7.25%Return on assets (ROA)
  • -7.25%Pretax return on assets
  • -84.78%Return on equity (ROE)
  • -84.78%Retained earnings to average equity (YTD only)
  • 2.93%Net charge-offs to loans
  • 192.78%Credit loss provision to net charge-offs
  • -1.16%Efficiency ratio
  • 122,311Assets per employee
  • 7.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.79%Loss allowance to noncurrent loans
  • 24.82%Noncurrent assets plus other real estate owned to assets
  • 17.35%Noncurrent loans to loans
  • 19.29%Net loans and leases to deposits
  • 92.34%Net loans and leases to core deposits
  • 102.16%Equity capital to assets
  • 4.99%Core capital (leverage) ratio
  • 4.66%Tier 1 risk-based capital ratio
  • 6.25%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $167,093Average earning assets
  • $14,282Average equity
  • $155,639Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    041133Pna Bank4800 South Pulaski Road, Chicago, IL 60632January 01, 1891Full Service Brick and Mortar
    175139Milwaukee Avenue Branch7840 N. Milwaukee Avenue, Niles, IL 60714June 28, 1999Full Service Brick and Mortar
    2423387Corporate Administrative Office3250 Lacey Road, Downers Grove, IL 60515November 12, 2003Limited Service Administrative

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