St. Charles Bank & Trust Company in Saint Charles, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • St. Charles Bank & Trust Company in Saint Charles, Illinois (IL)
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St. Charles Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 27052
    Status: Active
    Federal Reserve ID: 428547
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: September 21, 1987
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12658
    FDIC's unique #: 38571
    Numeric code: 13
    Regulator: FED
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 21, 1987
    Last Structure Change Effective Date: September 30, 2011
    Last Structure Change Process Date: October 05, 2011
    Last Data Update: October 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 411 West Main Street, Saint Charles, IL 60174
    County: Kane
    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
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $614.3 mil
    Equity capital: $63.0 mil
    Deposits held in domestic offices: $533.4 mil
    Return on assets (ROA): 0.38% ($2.3 mil)
    Quarterly return on assets: 0.37% ($2.3 mil)
    Return on Equity (ROE): 3.52% ($2.2 mil)
    Quarterly return on equity: 3.72% ($2.3 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 0.67% ($4,115.8 mil)
    Quarterly Pretax return on assets: 0.75% ($4,607.2 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
  • 80Total employees (full-time equivalent)
  • $614,296Total assets
  • $19,495Cash and due from depository institutions
  • $12,343Interest-bearing balances
  • $32,515Securities
  • $4,750Federal funds sold & reverse repurchase agreements
  • $474,894Net loans & leases
  • $2,856Loan loss allowance
  • $0Trading account assets
  • $18,421Bank premises and fixed assets
  • $8,937Other real estate owned
  • $11,709Goodwill and other intangibles
  • $614,296Life insurance assets
  • $43,575All other assets
  • $551,272Total liabilities and capital
  • $533,368Total liabilities
  • $431,889Total deposits
  • $533,368Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,400Trading liabilities
  • $7,000Other borrowed funds
  • $4,504Subordinated debt
  • $63,024All other liabilities
  • $63,024Total equity capital
  • $63,024Total bank equity capital
  • $0Perpetual preferred stock
  • $121Common stock
  • $68,224Surplus
  • $-5,321Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,653Income earned, not collected on loans
  • $0Earning assets
  • $1,987Long-term assets (5+ years)
  • $524,502Average Assets, year-to-date
  • $43,858Average Assets, quarterly
  • $455,535Volatile liabilities
  • $622,979Insider loans
  • $538,678FHLB advances
  • $622,011Loans and leases held for sale
  • $5,714Unused loan commitments
  • $5,714Tier 1 (core) risk-based capital
  • $51,874Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $63,436Restructured Loans and leases
  • $9,099Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,771Total interest income
  • $2,550Total interest expense
  • $14,221Net interest income
  • $1,835Provision for loan and lease losses
  • $731Total noninterest income
  • $0Fiduciary activities
  • $195Service charges on deposit accounts
  • $391Trading account gains & fees
  • $145Additional noninterest income
  • $10,210Total noninterest expense
  • $4,762Salaries and employee benefits
  • $1,012Premises and equipment expense
  • $4,436Additional noninterest expense
  • $2,907Pre-tax net operating income
  • $133Securities gains (losses)
  • $1,313Applicable income taxes
  • $1,727Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,727Net income attributable to bank
  • $0Net charge-offs
  • $1,727Cash dividends
  • $1,439Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 0.64%Cost of funding earning assets
  • 3.55%Net interest margin
  • 0.18%Noninterest income to earning assets
  • 2.55%Noninterest expense to earning assets
  • 0.36%Net operating income to assets
  • 0.38%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 3.52%Return on equity (ROE)
  • 3.52%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 127.52%Credit loss provision to net charge-offs
  • 3.30%Efficiency ratio
  • 67,697Assets per employee
  • 7.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.60%Loss allowance to noncurrent loans
  • 61.38%Noncurrent assets plus other real estate owned to assets
  • 2.21%Noncurrent loans to loans
  • 0.97%Net loans and leases to deposits
  • 89.04%Net loans and leases to core deposits
  • 95.80%Equity capital to assets
  • 10.26%Core capital (leverage) ratio
  • 8.34%Tier 1 risk-based capital ratio
  • 9.63%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $455,535Average earning assets
  • $49,024Average equity
  • $400,615Average loans

Total Fiduciary and Related Assets (December 31, 2005)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $121,676Managed Assets
  • 1Number of Accounts
  • $82,179Personal trust and agency accounts
  • $11,161Employee benefit-defined contribution accounts
  • $17,526Employee benefit-defined benefit accounts
  • $838Other retirement accounts
  • $27,806Corporate trust and agency accounts
  • $5,012Investment management agency accounts
  • $19,178Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $658Non-managed Assets
  • 854Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $39,497Other retirement accounts
  • $1,814Corporate trust and agency accounts
  • $149Other fiduciary accounts
  • $32,463Fiduciary accounts held in foreign offices

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    038571St. Charles Bank & Trust Company411 West Main Street, Saint Charles, IL 60174September 21, 1987Full Service Brick and Mortar
    9467338Geneva Branch2401 Kaneville Road, Geneva, IL 60134November 06, 2006Full Service Brick and Mortar
    1012879Elgin Branch1001 South Randall Road, Elgin, IL 60123Febuary 27, 1964Full Service Brick and Mortar
    11247143Summit Branch445 Summit Street, Elgin, IL 60120March 26, 1973Full Service Brick and Mortar
    12247144Mclean Office590 North Mclean Boulevard, Elgin, IL 60120December 27, 1978Full Service Brick and Mortar

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