Resource Bank, National Association in Dekalb, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Resource Bank, National Association - Overview

  • General
  • FDIC Certificate #: 3701
    Status: Active
    Federal Reserve ID: 235530
    Bank Holding Company (Regulatory Top Holder): Resource Bancshares, Inc. (RSSDID: 1207945, Location: Dekalb, IL)
    Date Established: October 01, 1901
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Domestic: 7, Interstate: No)
    OTS Docket #: 9929
    FDIC's unique #: 2370
    Numeric code: 3
    Regulator: OCC
    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: No
    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: 555 Bethany Road, Dekalb, IL 60115
    County: Dekalb
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    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: $344.9 mil
    Equity capital: $35.0 mil
    Deposits held in domestic offices: $293.7 mil
    Return on assets (ROA): 0.61% ($2.1 mil)
    Quarterly return on assets: 0.84% ($2.9 mil)
    Return on Equity (ROE): 6.01% ($2.1 mil)
    Quarterly return on equity: 8.36% ($2.9 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.61% ($2,103.8 mil)
    Quarterly Pretax return on assets: 0.84% ($2,897.1 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
  • 122Total employees (full-time equivalent)
  • $344,889Total assets
  • $21,779Cash and due from depository institutions
  • $16,288Interest-bearing balances
  • $117,508Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $194,068Net loans & leases
  • $3,120Loan loss allowance
  • $0Trading account assets
  • $6,430Bank premises and fixed assets
  • $471Other real estate owned
  • $0Goodwill and other intangibles
  • $344,889Life insurance assets
  • $4,633All other assets
  • $309,855Total liabilities and capital
  • $293,711Total liabilities
  • $241,667Total deposits
  • $293,711Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $1,144Subordinated debt
  • $35,034All other liabilities
  • $35,034Total equity capital
  • $35,034Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $5,075Surplus
  • $29,559Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $524Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,467Income earned, not collected on loans
  • $112Earning assets
  • $2,053Long-term assets (5+ years)
  • $327,864Average Assets, year-to-date
  • $103,494Average Assets, quarterly
  • $329,738Volatile liabilities
  • $343,205Insider loans
  • $229,217FHLB advances
  • $342,545Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,834Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $57,597Restructured Loans and leases
  • $12,657Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,050Total interest income
  • $3,287Total interest expense
  • $10,763Net interest income
  • $0Provision for loan and lease losses
  • $4,100Total noninterest income
  • $408Fiduciary activities
  • $1,450Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,242Additional noninterest income
  • $13,500Total noninterest expense
  • $8,179Salaries and employee benefits
  • $1,133Premises and equipment expense
  • $4,188Additional noninterest expense
  • $1,363Pre-tax net operating income
  • $643Securities gains (losses)
  • $4Applicable income taxes
  • $2,002Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,002Net income attributable to bank
  • $0Net charge-offs
  • $2,002Cash dividends
  • $789Sale, conversion, retirement of capital stock, net
  • $500Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 1.06%Cost of funding earning assets
  • 3.46%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 4.34%Noninterest expense to earning assets
  • 0.41%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.61%Pretax return on assets
  • 6.01%Return on equity (ROE)
  • 4.51%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.73%Efficiency ratio
  • 90,830Assets per employee
  • 2.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.98%Loss allowance to loans
  • 1.58%Loss allowance to noncurrent loans
  • 36.85%Noncurrent assets plus other real estate owned to assets
  • 2.59%Noncurrent loans to loans
  • 4.29%Net loans and leases to deposits
  • 66.07%Net loans and leases to core deposits
  • 71.26%Equity capital to assets
  • 10.16%Core capital (leverage) ratio
  • 9.59%Tier 1 risk-based capital ratio
  • 14.32%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $329,738Average earning assets
  • $33,291Average equity
  • $310,898Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $61,343Managed Assets
  • 1Number of Accounts
  • $59,426Personal trust and agency accounts
  • $797Employee benefit-defined contribution accounts
  • $2,016Employee benefit-defined benefit accounts
  • $2,020Other retirement accounts
  • $15,400Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $39,193Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 198Number of Accounts
  • $0Personal trust and agency accounts
  • $15,400Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $1,917Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 7 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02370Resource Bank, National Association555 Bethany Road, Dekalb, IL 60115October 01, 1901Full Service Brick and Mortar
    2201757Cortland Branch2007 Somonauk Road, Cortland, IL 60112March 28, 1988Full Service Brick and Mortar
    3201758Malta Branch201 State Route 38, Malta, IL 60150October 11, 1988Full Service Brick and Mortar
    4201759Hinckley Branch280 East Lincoln Highway, Hinckley, IL 60520October 11, 1988Full Service Brick and Mortar
    6201761Genoa Branch310 Highway 23, Genoa, IL 60135July 11, 1994Full Service Brick and Mortar
    7360933Sycamore Branch403 East State Street, Sycamore, IL 60178July 16, 2001Full Service Retail
    8361869Annie Glidden Branch775 S. Annie Glidden Road, Dekalb, IL 60115July 28, 2000Full Service Brick and Mortar

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