Schaumburg Bank & Trust Company, National Association in Schaumburg, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Schaumburg Bank & Trust Company, National Association - Overview

  • General
  • FDIC Certificate #: 57103
    Status: Active
    Federal Reserve ID: 2970657
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: January 22, 2001
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 357824
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 22, 2001
    Last Structure Change Effective Date: October 29, 2011
    Last Structure Change Process Date: December 02, 2011
    Last Data Update: December 02, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1180 E Higgins Road, Schaumburg, IL 60173
    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 Location
  • Financial Summary
  • Total assets: $590.8 mil
    Equity capital: $68.2 mil
    Deposits held in domestic offices: $477.2 mil
    Return on assets (ROA): 1.03% ($6.1 mil)
    Quarterly return on assets: 0.29% ($1.7 mil)
    Return on Equity (ROE): 9.38% ($6.4 mil)
    Quarterly return on equity: 2.59% ($1.8 mil)
    Net income: $6.1 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.69% ($9,985.0 mil)
    Quarterly Pretax return on assets: 0.49% ($2,895.1 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
  • 74Total employees (full-time equivalent)
  • $590,829Total assets
  • $9,271Cash and due from depository institutions
  • $4,979Interest-bearing balances
  • $51,130Securities
  • $679Federal funds sold & reverse repurchase agreements
  • $412,285Net loans & leases
  • $4,863Loan loss allowance
  • $0Trading account assets
  • $20,555Bank premises and fixed assets
  • $5,515Other real estate owned
  • $14,452Goodwill and other intangibles
  • $590,829Life insurance assets
  • $76,942All other assets
  • $522,645Total liabilities and capital
  • $477,200Total liabilities
  • $440,002Total deposits
  • $477,200Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 5000.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $31,000Trading liabilities
  • $0Other borrowed funds
  • $9,445Subordinated debt
  • $68,184All other liabilities
  • $68,184Total equity capital
  • $68,184Total bank equity capital
  • $0Perpetual preferred stock
  • $3,629Common stock
  • $63,554Surplus
  • $1,001Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $27,205Income earned, not collected on loans
  • $0Earning assets
  • $1,817Long-term assets (5+ years)
  • $469,073Average Assets, year-to-date
  • $49,873Average Assets, quarterly
  • $595,043Volatile liabilities
  • $602,738Insider loans
  • $456,603FHLB advances
  • $586,701Loans and leases held for sale
  • $1,916Unused loan commitments
  • $1,916Tier 1 (core) risk-based capital
  • $53,741Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $95,125Restructured Loans and leases
  • $9,815Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,800Total interest income
  • $4,961Total interest expense
  • $17,839Net interest income
  • $3,845Provision for loan and lease losses
  • $10,515Total noninterest income
  • $0Fiduciary activities
  • $562Service charges on deposit accounts
  • $0Trading account gains & fees
  • $9,953Additional noninterest income
  • $14,570Total noninterest expense
  • $6,938Salaries and employee benefits
  • $1,869Premises and equipment expense
  • $5,763Additional noninterest expense
  • $9,939Pre-tax net operating income
  • $135Securities gains (losses)
  • $3,954Applicable income taxes
  • $6,120Income before extraordinary items
  • $0Extraordinary gains - net
  • $6,120Net income attributable to bank
  • $0Net charge-offs
  • $6,120Cash dividends
  • $4,050Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.65%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 3.64%Net interest margin
  • 2.15%Noninterest income to earning assets
  • 2.97%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 9.38%Return on equity (ROE)
  • 9.38%Retained earnings to average equity (YTD only)
  • 1.02%Net charge-offs to loans
  • 94.94%Credit loss provision to net charge-offs
  • 3.40%Efficiency ratio
  • 51,150Assets per employee
  • 7.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 17.88%Noncurrent assets plus other real estate owned to assets
  • 5.54%Noncurrent loans to loans
  • 6.52%Net loans and leases to deposits
  • 86.40%Net loans and leases to core deposits
  • 103.57%Equity capital to assets
  • 11.54%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 11.77%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $595,043Average earning assets
  • $65,221Average equity
  • $490,201Average loans

List of branches

  • 6 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0357824Schaumburg Bank & Trust Company, National Association1180 E Higgins Road, Schaumburg, IL 60173January 22, 2001Full Service Brick and Mortar
    1359312Roselle Bank & Trust, A Branch Of Schaumburg Bank & Trust Company, N.A.1350 West Lake Street, Roselle, IL 60172January 22, 2001Full Service Brick and Mortar
    2364380Messenger Service Branch75 E. Turner Avenue, Elk Grove Village, IL 60007July 02, 2002Limited Service Messenger
    3463655Bloomingdale Bank & Trust, A Branch Of Schaumburg Bank & Trust Company, N.A.165 West Lake Street, Bloomingdale, IL 60108May 01, 2007Full Service Brick and Mortar
    457051Wood Dale Bank & Trust, A Branch Of Schaumburg Bank & Trust Company, N.A.171 East Irving Park Road, Wood Dale, IL 60191April 21, 1997Full Service Brick and Mortar
    5527586Elk Grove Village Bank & Trust, A Branch Of Schaumburg Bank & Trust Company, N.A.75 E Turner Avenue, Elk Grove Village, IL 60007November 01, 2011Full Service Brick and Mortar

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