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

Park Ridge Community Bank - Overview

  • General
  • FDIC Certificate #: 34038
    Status: Active
    Federal Reserve ID: 2316714
    Bank Holding Company (Regulatory Top Holder): Community Bank Corp. (RSSDID: 2536857, Location: Park Ridge, IL)
    Date Established: July 03, 1995
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 56015
    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: July 03, 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: 626 Talcott Road, Park Ridge, IL 60068
    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: $266.5 mil
    Equity capital: $29.4 mil
    Deposits held in domestic offices: $230.7 mil
    Return on assets (ROA): 1.29% ($3.4 mil)
    Quarterly return on assets: 1.39% ($3.7 mil)
    Return on Equity (ROE): 11.96% ($3.5 mil)
    Quarterly return on equity: 12.82% ($3.7 mil)
    Net income: $3.4 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.29% ($3,438.3 mil)
    Quarterly Pretax return on assets: 1.39% ($3,704.8 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
  • 20Total employees (full-time equivalent)
  • $266,533Total assets
  • $22,984Cash and due from depository institutions
  • $21,090Interest-bearing balances
  • $77,523Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $151,300Net loans & leases
  • $3,021Loan loss allowance
  • $0Trading account assets
  • $1,487Bank premises and fixed assets
  • $4,399Other real estate owned
  • $0Goodwill and other intangibles
  • $266,533Life insurance assets
  • $8,840All other assets
  • $237,083Total liabilities and capital
  • $230,667Total liabilities
  • $200,730Total deposits
  • $230,667Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 5719.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $697Subordinated debt
  • $29,450All other liabilities
  • $29,450Total equity capital
  • $29,450Total bank equity capital
  • $0Perpetual preferred stock
  • $2,312Common stock
  • $4,205Surplus
  • $22,933Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,121Income earned, not collected on loans
  • $0Earning assets
  • $1,014Long-term assets (5+ years)
  • $249,913Average Assets, year-to-date
  • $12,563Average Assets, quarterly
  • $264,746Volatile liabilities
  • $268,387Insider loans
  • $166,913FHLB advances
  • $267,928Loans and leases held for sale
  • $7,017Unused loan commitments
  • $7,017Tier 1 (core) risk-based capital
  • $29,293Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,166Restructured Loans and leases
  • $3,707Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,615Total interest income
  • $868Total interest expense
  • $8,747Net interest income
  • $600Provision for loan and lease losses
  • $399Total noninterest income
  • $0Fiduciary activities
  • $123Service charges on deposit accounts
  • $0Trading account gains & fees
  • $276Additional noninterest income
  • $5,137Total noninterest expense
  • $2,500Salaries and employee benefits
  • $445Premises and equipment expense
  • $2,192Additional noninterest expense
  • $3,409Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,409Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,409Net income attributable to bank
  • $0Net charge-offs
  • $3,409Cash dividends
  • $589Sale, conversion, retirement of capital stock, net
  • $1,760Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.85%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 3.51%Net interest margin
  • 0.16%Noninterest income to earning assets
  • 2.06%Noninterest expense to earning assets
  • 1.29%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 11.96%Return on equity (ROE)
  • 5.79%Retained earnings to average equity (YTD only)
  • 0.38%Net charge-offs to loans
  • 101.87%Credit loss provision to net charge-offs
  • 6.81%Efficiency ratio
  • 56,167Assets per employee
  • 13.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 51.63%Loss allowance to loans
  • 1.96%Loss allowance to noncurrent loans
  • 269.49%Noncurrent assets plus other real estate owned to assets
  • 2.07%Noncurrent loans to loans
  • 0.73%Net loans and leases to deposits
  • 65.59%Net loans and leases to core deposits
  • 67.29%Equity capital to assets
  • 11.05%Core capital (leverage) ratio
  • 10.93%Tier 1 risk-based capital ratio
  • 17.55%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $264,746Average earning assets
  • $28,504Average equity
  • $249,423Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056015Park Ridge Community Bank626 Talcott Road, Park Ridge, IL 60068July 03, 1995Full Service Brick and Mortar

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