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

Pan American Bank - Overview

  • General
  • FDIC Certificate #: 34108
    Status: Active
    Federal Reserve ID: 2343167
    Bank Holding Company (Regulatory Top Holder): American Bancorp Of Illinois, Inc. (RSSDID: 3618545, Location: Oak Brook, IL)
    Date Established: December 22, 1995
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 56249
    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: December 22, 1995
    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: 2627 West Cermak Road, Chicago, IL 60608
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $235.4 mil
    Equity capital: $16.0 mil
    Deposits held in domestic offices: $219.1 mil
    Return on assets (ROA): 0.55% ($1.3 mil)
    Quarterly return on assets: 0.35% ($0.8 mil)
    Return on Equity (ROE): 8.14% ($1.3 mil)
    Quarterly return on equity: 5.31% ($0.8 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.55% ($1,294.7 mil)
    Quarterly Pretax return on assets: 0.35% ($823.9 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
  • 40Total employees (full-time equivalent)
  • $235,398Total assets
  • $30,855Cash and due from depository institutions
  • $10,218Interest-bearing balances
  • $47,910Securities
  • $9,200Federal funds sold & reverse repurchase agreements
  • $141,579Net loans & leases
  • $1,634Loan loss allowance
  • $0Trading account assets
  • $2,689Bank premises and fixed assets
  • $1,023Other real estate owned
  • $0Goodwill and other intangibles
  • $235,398Life insurance assets
  • $2,142All other assets
  • $219,399Total liabilities and capital
  • $219,149Total liabilities
  • $201,107Total deposits
  • $219,149Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $250Subordinated debt
  • $15,999All other liabilities
  • $15,999Total equity capital
  • $15,999Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $10,333Surplus
  • $4,666Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,986Income earned, not collected on loans
  • $0Earning assets
  • $851Long-term assets (5+ years)
  • $208,907Average Assets, year-to-date
  • $56,119Average Assets, quarterly
  • $221,113Volatile liabilities
  • $237,900Insider loans
  • $147,581FHLB advances
  • $239,745Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,895Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,834Restructured Loans and leases
  • $1,641Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,922Total interest income
  • $2,798Total interest expense
  • $7,124Net interest income
  • $1,119Provision for loan and lease losses
  • $968Total noninterest income
  • $0Fiduciary activities
  • $207Service charges on deposit accounts
  • $0Trading account gains & fees
  • $761Additional noninterest income
  • $5,762Total noninterest expense
  • $3,174Salaries and employee benefits
  • $392Premises and equipment expense
  • $2,196Additional noninterest expense
  • $1,211Pre-tax net operating income
  • $8Securities gains (losses)
  • $0Applicable income taxes
  • $1,219Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,219Net income attributable to bank
  • $0Net charge-offs
  • $1,219Cash dividends
  • $402Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.88%Yield on earning assets
  • 1.38%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 0.55%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.55%Pretax return on assets
  • 8.14%Return on equity (ROE)
  • 8.14%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 278.36%Credit loss provision to net charge-offs
  • 5.80%Efficiency ratio
  • 71,206Assets per employee
  • 5.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.14%Loss allowance to noncurrent loans
  • 54.72%Noncurrent assets plus other real estate owned to assets
  • 1.70%Noncurrent loans to loans
  • 2.09%Net loans and leases to deposits
  • 64.60%Net loans and leases to core deposits
  • 82.76%Equity capital to assets
  • 6.80%Core capital (leverage) ratio
  • 6.63%Tier 1 risk-based capital ratio
  • 10.77%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $221,113Average earning assets
  • $14,983Average equity
  • $203,376Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056249Pan American Bank2627 West Cermak Road, Chicago, IL 60608December 22, 1995Full Service Brick and Mortar
    1433298Pulaski Road Branch6232 North Pulaski Road, Chicago, IL 60646November 22, 2004Full Service Brick and Mortar
    2478550Bellwood Branch2801 Saint Charles Road, Bellwood, IL 60104July 07, 2008Full Service Brick and Mortar
    3511673Melrose Park Branch1440 W North Ave, Melrose Park, IL 60160August 24, 2009Full Service Brick and Mortar

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