Standard Bank and Trust Company in Hickory Hills, Illinois (IL), IN

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Standard Bank and Trust Company
GeneralFDIC Certificate #: 16606
Status: Active
Federal Reserve ID: 19730
Bank Holding Company (Regulatory Top Holder): Standard Bancshares, Inc. (RSSDID: 1245590, Location: Hickory Hills, IL)
Date Established: August 16, 1947
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 43 (Domestic: 43, Interstate: Yes)
OTS Docket #: 14166
FDIC's unique #: 10748
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: August 16, 1947
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
LocationAddress: 7800 West 95th Street, Hickory Hills, IL 60457
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $2,140.2 mil
Equity capital: $225.3 mil
Deposits held in domestic offices: $1,872.8 mil
Return on assets (ROA): 0.04% ($0.9 mil)
Quarterly return on assets: -0.10% (-$2.1 mil)
Return on Equity (ROE): 0.38% ($0.9 mil)
Quarterly return on equity: -0.97% (-$2.2 mil)
Net income: $0.8 mil
Quarterly Net income: -$0.5 mil
Pretax return on assets: 0.02% ($428.0 mil)
Quarterly Pretax return on assets: -0.21% (-$4,494.5 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)
Total employees (full-time equivalent)536
Total assets$2,140,231
Cash and due from depository institutions$252,268
Interest-bearing balances$214,027
Federal funds sold & reverse repurchase agreements$2,440
Net loans & leases$1,522,387
Loan loss allowance $28,090
Trading account assets$0
Bank premises and fixed assets$69,505
Other real estate owned$11,496
Goodwill and other intangibles$22,887
All other assets$114,731
Life insurance assets$2,140,231
Total liabilities and capital$1,914,978
Total liabilities$1,872,750
Total deposits$1,459,568
Interest-bearing deposits$1,872,750
Deposits held in domestic offices$83
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$32,081
Other borrowed funds $0
Subordinated debt $10,147
All other liabilities $225,253
Total equity capital$225,253
Total bank equity capital$225,253
Perpetual preferred stock$0
Common stock$4,083
Undivided profits $64,866
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $9,380
Income earned, not collected on loans $57,058
Earning assets $0
Long-term assets (5+ years) $6,236
Average Assets, year-to-date $1,883,371
Average Assets, quarterly $134,321
Volatile liabilities $2,211,276
Insider loans $2,166,292
FHLB advances $1,678,197
Loans and leases held for sale $2,131,966
Unused loan commitments $44,121
Tier 1 (core) risk-based capital $40,525
Tier 2 risk-based capital $178,288
Total risk weighted assets $0
Total unused commitments $3,596
Restructured Loans and leases $227,308
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $91,012
Total interest expense $13,553
Net interest income $77,459
Provision for loan and lease losses $29,280
Total noninterest income $17,422
Fiduciary activities $1,612
Service charges on deposit accounts $5,668
Trading account gains & fees $0
Additional noninterest income $10,142
Total noninterest expense $65,112
Salaries and employee benefits $31,491
Premises and equipment expense $12,028
Additional noninterest expense $21,593
Pre-tax net operating income $489
Securities gains (losses) $0
Applicable income taxes -$360
Income before extraordinary items $849
Extraordinary gains - net $0
Net income attributable to bank $849
Net charge-offs $0
Cash dividends $849
Sale, conversion, retirement of capital stock, net $42,905
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.65%
Cost of funding earning assets 0.69%
Net interest margin 3.96%
Noninterest income to earning assets 0.89%
Noninterest expense to earning assets 3.33%
Net operating income to assets 0.04%
Return on assets (ROA) 0.04%
Pretax return on assets 0.02%
Return on equity (ROE) 0.38%
Retained earnings to average equity (YTD only) 0.38%
Net charge-offs to loans 2.65%
Credit loss provision to net charge-offs 68.24%
Efficiency ratio0.69%
Assets per employee$67,892
Cash dividends to net income (YTD only)3.99%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.81%
Noncurrent assets plus other real estate owned to assets 49.23%
Noncurrent loans to loans 3.20%
Net loans and leases to deposits3.68%
Net loans and leases to core deposits 81.29%
Equity capital to assets 94.43%
Core capital (leverage) ratio 10.52%
Tier 1 risk-based capital ratio 8.36%
Total risk-based capital ratio 10.62%
Average assets$12
Average earning assets$2,211,276
Average equity $224,939
Average loans $1,955,423
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$238,346
Number of Accounts1
Personal trust and agency accounts$74,311
Employee benefit-defined contribution accounts$44,253
Employee benefit-defined benefit accounts$3,351
Other retirement accounts$0
Corporate trust and agency accounts$13,506
Investment management agency accounts$0
Other fiduciary accounts$13,201
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts772
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$13,506
Employee benefit-defined benefit accounts$0
Other retirement accounts$164,035
Corporate trust and agency accounts$97,949
Other fiduciary accounts$13,155
Fiduciary accounts held in foreign offices$52,931
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36 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010748Standard Bank And Trust Company7800 West 95th Street, Hickory Hills, IL 60457August 16, 1947Full Service Brick and Mortar
1238447Oak Lawn Facility4001 West 95th Street, Oak Lawn, IL 60453April 01, 1980Full Service Brick and Mortar
2238448Palos Facility11901 South Southwest Highway, Palos Park, IL 60464March 01, 1986Full Service Brick and Mortar
3238449Millcreek Facility9700 West 131st Street, Palos Park, IL 60464November 21, 1990Full Service Brick and Mortar
413875Evergreen Park Facility2400 West 95th Street, Evergreen Park, IL 60805June 01, 1970Full Service Brick and Mortar
5238450Orland Park Branch15900 South Wolf Road, Orland Park, IL 60462December 03, 1994Full Service Brick and Mortar
6238451Naperville Branch1607 North Aurora Road, Naperville, IL 60563December 29, 1998Full Service Brick and Mortar
77234Gardner BranchDepot Street, Gardner, IL 60424January 01, 1871Full Service Brick and Mortar
8224354South Wilmington FacilityRace Street And Third Avenue, South Wilmington, IL 60474October 14, 1981Full Service Retail
9224355Southmor Branch3525 North Route 47, Morris, IL 60450September 09, 1993Full Service Brick and Mortar
10224356Morris Branch1111 West Route 6, Morris, IL 60450June 09, 1997Full Service Brick and Mortar
11238452New Lenox Branch456 Nelson Road, New Lenox, IL 60451April 15, 1999Full Service Brick and Mortar
12238453Wilmington Branch1095 South Water, Wilmington, IL 60481March 24, 1999Full Service Brick and Mortar
13238454Joliet Branch2398 Essington Road, Joliet, IL 60435September 07, 1999Full Service Brick and Mortar
14238455Villa Park BranchOne West Roosevelt Road, Villa Park, IL 60181January 31, 2000Full Service Brick and Mortar
15357237Frankfort Branch Facility19997 S. La Grange Road, Frankfort, IL 60423November 15, 1999Full Service Brick and Mortar
16266774Morris Lisbon Branch1433 Lisbon Street, Morris, IL 60450June 30, 1987Full Service Brick and Mortar
17263852Coal City Branch205 South Broadway, Coal City, IL 60416November 08, 1993Full Service Brick and Mortar
1812089Ewing Branch10635 South Ewing Avenue, Chicago, IL 60617March 24, 1960Full Service Brick and Mortar
19244099South Deering Facility10535 S Torrence Ave, Chicago, IL 60617November 07, 1977Full Service Brick and Mortar
20244100Hegewisch Branch13336 Baltimore Avenue, Chicago, IL 60633December 30, 1982Full Service Brick and Mortar
21244101Oak Forest Branch15901 South Central Avenue, Oak Forest, IL 60452Febuary 21, 1989Full Service Brick and Mortar
2210912Lyons 8601 Branch8601 West Ogden Avenue, Lyons, IL 60534June 18, 1949Full Service Brick and Mortar
23238862Lyons 7201 Branch7201 West Ogden Avenue, Lyons, IL 60534June 15, 1981Limited Service Facility
2540936Dolton Branch14076 Lincoln Avenue, Dolton, IL 60419January 01, 1911Full Service Brick and Mortar
33419531Shorewood Facility Branch970 Brook Forest Ave, Shorewood, IL 60431July 15, 2002Full Service Brick and Mortar
34419532Bolingbrook Facility Branch282 N Weber Road, Bolingbrook, IL 60440December 27, 2002Full Service Brick and Mortar
35429662Clark Street Branch3747 N Clark Street, Chicago, IL 60613June 21, 2004Full Service Retail
36441863Oak Lawn 111th Branch4700 W 111th Street, Oak Lawn, IL 60453June 28, 2005Full Service Brick and Mortar
37441864North Riverside Branch8380 W Cermak, North Riverside, IL 60546November 08, 2004Full Service Brick and Mortar
38450324Lockport Branch16545 West 159th Street, Lockport, IL 60441August 15, 2005Full Service Brick and Mortar
40450326Southport Branch3434 North Soutport, Chicago, IL 60657March 15, 2006Full Service Brick and Mortar
42465426Minooka Branch505 U.S. Route 6, Minooka, IL 60447October 30, 2006Full Service Brick and Mortar
43492682Internet Banking Branch8601 W Ogden, Lyons, IL 60534June 15, 2009Full Service Cyber
44510611Calumet City Branch1968 Sibley Blvd, Calumet City, IL 60409May 03, 2010Full Service Retail
45510612Thorek Branch836 W Irving Park Rd, Chicago, IL 60613August 03, 2009Full Service Retail
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7 Indiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
2642414St John Branch9321 Wicker Avenue, Saint John, IN 46373January 01, 1934Full Service Brick and Mortar
27275659Highland Branch2600 Highway Avenue, Highland, IN 46322January 01, 1934Full Service Brick and Mortar
28275661Lowell Branch2090 East Commercial Street, Lowell, IN 46356January 01, 1934Full Service Brick and Mortar
29275662East Chicago Branch4518 Indianapolis Boulevard, East Chicago, IN 46312September 21, 1992Full Service Brick and Mortar
3042227Hammond Branch7007 Calumet Avenue, Hammond, IN 46324April 01, 1935Full Service Brick and Mortar
32275664Chesterton Branch755 Indian Boundary Line Rd, Chesterton, IN 46304March 17, 1997Full Service Brick and Mortar
39450325Merrillville Branch579 West Lincoln Highway, Merrillville, IN 46410October 31, 2005Full Service Brick and Mortar
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