State Bank of Illinois in West Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • State Bank of Illinois in West Chicago, Illinois (IL)
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State Bank of Illinois - Overview

  • General
  • FDIC Certificate #: 11306
    Status: Active
    Federal Reserve ID: 608844
    Bank Holding Company (Regulatory Top Holder): F.N.b.c. Of La Grange, Inc. (RSSDID: 1201532, Location: La Grange, IL)
    Date Established: August 17, 1908
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 14107
    FDIC's unique #: 7219
    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: 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: Neltnor Boulevard And Washington Street, West Chicago, IL 60185
    County: Dupage
    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: $185.5 mil
    Equity capital: $18.2 mil
    Deposits held in domestic offices: $166.7 mil
    Return on assets (ROA): -1.30% (-$2.4 mil)
    Quarterly return on assets: -2.41% (-$4.5 mil)
    Return on Equity (ROE): -13.08% (-$2.4 mil)
    Quarterly return on equity: -24.65% (-$4.4 mil)
    Net income: -$2.6 mil
    Quarterly Net income: -$1.2 mil
    Pretax return on assets: -1.30% (-$2,411.3 mil)
    Quarterly Pretax return on assets: -2.41% (-$4,470.2 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
  • 57Total employees (full-time equivalent)
  • $185,484Total assets
  • $20,113Cash and due from depository institutions
  • $10,961Interest-bearing balances
  • $26,621Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $122,836Net loans & leases
  • $2,284Loan loss allowance
  • $0Trading account assets
  • $6,314Bank premises and fixed assets
  • $5,688Other real estate owned
  • $1,348Goodwill and other intangibles
  • $185,484Life insurance assets
  • $2,564All other assets
  • $167,298Total liabilities and capital
  • $166,706Total liabilities
  • $123,328Total deposits
  • $166,706Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $592Subordinated debt
  • $18,186All other liabilities
  • $18,186Total equity capital
  • $18,186Total bank equity capital
  • $0Perpetual preferred stock
  • $2,396Common stock
  • $13,362Surplus
  • $2,428Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,892Income earned, not collected on loans
  • $0Earning assets
  • $639Long-term assets (5+ years)
  • $160,418Average Assets, year-to-date
  • $16,549Average Assets, quarterly
  • $198,130Volatile liabilities
  • $193,473Insider loans
  • $122,202FHLB advances
  • $192,176Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $16,605Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,216Restructured Loans and leases
  • $5,736Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,591Total interest income
  • $848Total interest expense
  • $6,743Net interest income
  • $2,739Provision for loan and lease losses
  • $656Total noninterest income
  • $23Fiduciary activities
  • $551Service charges on deposit accounts
  • $0Trading account gains & fees
  • $82Additional noninterest income
  • $7,988Total noninterest expense
  • $3,958Salaries and employee benefits
  • $907Premises and equipment expense
  • $3,123Additional noninterest expense
  • -$3,328Pre-tax net operating income
  • $758Securities gains (losses)
  • $0Applicable income taxes
  • -$2,570Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,570Net income attributable to bank
  • $0Net charge-offs
  • -$2,570Cash dividends
  • $1,713Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.34%Yield on earning assets
  • 0.48%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 4.57%Noninterest expense to earning assets
  • -1.68%Net operating income to assets
  • -1.30%Return on assets (ROA)
  • -1.30%Pretax return on assets
  • -13.08%Return on equity (ROE)
  • -13.08%Retained earnings to average equity (YTD only)
  • 1.38%Net charge-offs to loans
  • 159.89%Credit loss provision to net charge-offs
  • -0.34%Efficiency ratio
  • 107,663Assets per employee
  • 3.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.83%Loss allowance to noncurrent loans
  • 25.69%Noncurrent assets plus other real estate owned to assets
  • 7.86%Noncurrent loans to loans
  • 7.11%Net loans and leases to deposits
  • 73.68%Net loans and leases to core deposits
  • 78.59%Equity capital to assets
  • 9.80%Core capital (leverage) ratio
  • 8.64%Tier 1 risk-based capital ratio
  • 13.59%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $198,130Average earning assets
  • $19,651Average equity
  • $174,919Average 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
  • $27,018Managed Assets
  • 1Number of Accounts
  • $15,369Personal trust and agency accounts
  • $8,823Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,109Other retirement accounts
  • $4,437Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 68Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $11,649Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07219State Bank Of IllinoisNeltnor Boulevard And Washington Street, West Chicago, IL 60185August 17, 1908Full Service Brick and Mortar
    26687Mokena Branch11100 Front Street, Mokena, IL 60448January 08, 1909Full Service Brick and Mortar
    356011South Elgin/Foxdale Branch1140 West Spring Street, South Elgin, IL 60177June 27, 1995Full Service Brick and Mortar
    4466306Yorkville Branch28 East Schoolhouse Road, Yorkville, IL 60560May 09, 2007Full Service Brick and Mortar

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