Standard Bank and Trust Company in Hickory Hills, Illinois (IL), IN
Overview, Financial Summary, Detailed Financial Reports, Branches


Standard Bank and Trust Company - Overview

  • General
  • FDIC 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
    WWW: http://www.standardbanks.com
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 536Total employees (full-time equivalent)
  • $2,140,231Total assets
  • $252,268Cash and due from depository institutions
  • $214,027Interest-bearing balances
  • $144,517Securities
  • $2,440Federal funds sold & reverse repurchase agreements
  • $1,522,387Net loans & leases
  • $28,090Loan loss allowance
  • $0Trading account assets
  • $69,505Bank premises and fixed assets
  • $11,496Other real estate owned
  • $22,887Goodwill and other intangibles
  • $2,140,231Life insurance assets
  • $114,731All other assets
  • $1,914,978Total liabilities and capital
  • $1,872,750Total liabilities
  • $1,459,568Total deposits
  • $1,872,750Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $32,081Trading liabilities
  • $0Other borrowed funds
  • $10,147Subordinated debt
  • $225,253All other liabilities
  • $225,253Total equity capital
  • $225,253Total bank equity capital
  • $0Perpetual preferred stock
  • $4,083Common stock
  • $156,304Surplus
  • $64,866Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $9,380Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $57,058Income earned, not collected on loans
  • $0Earning assets
  • $6,236Long-term assets (5+ years)
  • $1,883,371Average Assets, year-to-date
  • $134,321Average Assets, quarterly
  • $2,211,276Volatile liabilities
  • $2,166,292Insider loans
  • $1,678,197FHLB advances
  • $2,131,966Loans and leases held for sale
  • $44,121Unused loan commitments
  • $40,525Tier 1 (core) risk-based capital
  • $178,288Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,596Total unused commitments
  • $227,308Restructured Loans and leases
  • $50,484Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $91,012Total interest income
  • $13,553Total interest expense
  • $77,459Net interest income
  • $29,280Provision for loan and lease losses
  • $17,422Total noninterest income
  • $1,612Fiduciary activities
  • $5,668Service charges on deposit accounts
  • $0Trading account gains & fees
  • $10,142Additional noninterest income
  • $65,112Total noninterest expense
  • $31,491Salaries and employee benefits
  • $12,028Premises and equipment expense
  • $21,593Additional noninterest expense
  • $489Pre-tax net operating income
  • $0Securities gains (losses)
  • -$360Applicable income taxes
  • $849Income before extraordinary items
  • $0Extraordinary gains - net
  • $849Net income attributable to bank
  • $0Net charge-offs
  • $849Cash dividends
  • $42,905Sale, 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
  • 0.69%Cost of funding earning assets
  • 3.96%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.33%Noninterest expense to earning assets
  • 0.04%Net operating income to assets
  • 0.04%Return on assets (ROA)
  • 0.02%Pretax return on assets
  • 0.38%Return on equity (ROE)
  • 0.38%Retained earnings to average equity (YTD only)
  • 2.65%Net charge-offs to loans
  • 68.24%Credit loss provision to net charge-offs
  • 0.69%Efficiency ratio
  • 67,892Assets per employee
  • 3.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.81%Loss allowance to noncurrent loans
  • 49.23%Noncurrent assets plus other real estate owned to assets
  • 3.20%Noncurrent loans to loans
  • 3.68%Net loans and leases to deposits
  • 81.29%Net loans and leases to core deposits
  • 94.43%Equity capital to assets
  • 10.52%Core capital (leverage) ratio
  • 8.36%Tier 1 risk-based capital ratio
  • 10.62%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $2,211,276Average earning assets
  • $224,939Average equity
  • $1,955,423Average 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
  • $238,346Managed Assets
  • 1Number of Accounts
  • $74,311Personal trust and agency accounts
  • $44,253Employee benefit-defined contribution accounts
  • $3,351Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $13,506Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $13,201Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 772Number of Accounts
  • $0Personal trust and agency accounts
  • $13,506Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $164,035Other retirement accounts
  • $97,949Corporate trust and agency accounts
  • $13,155Other fiduciary accounts
  • $52,931Fiduciary accounts held in foreign offices

List of branches

  • 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
  • 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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