Suburban Bank & Trust Company in Elmhurst, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Suburban Bank & Trust Company in Elmhurst, Illinois (IL)
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Suburban Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 20443
    Status: Active
    Federal Reserve ID: 591937
    Bank Holding Company (Regulatory Top Holder): Suburban Illinois Bancorp, Inc. (RSSDID: 2327541, Location: Elmhurst, IL)
    Date Established: June 24, 1971
    WWW: http://www.sbtbanknow.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    FDIC's unique #: 14094
    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: June 24, 1971
    Last Structure Change Effective Date: April 01, 2011
    Last Structure Change Process Date: April 06, 2011
    Last Data Update: April 06, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 150 Butterfield Road, Elmhurst, IL 60126
    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)
  • Financial Summary
  • Total assets: $581.8 mil
    Equity capital: $45.8 mil
    Deposits held in domestic offices: $499.5 mil
    Return on assets (ROA): -1.36% (-$7.9 mil)
    Quarterly return on assets: -0.26% (-$1.5 mil)
    Return on Equity (ROE): -17.32% (-$8.0 mil)
    Quarterly return on equity: -3.31% (-$1.5 mil)
    Net income: -$8.1 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -1.37% (-$7,970.2 mil)
    Quarterly Pretax return on assets: -0.26% (-$1,512.6 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
  • 138Total employees (full-time equivalent)
  • $581,770Total assets
  • $89,429Cash and due from depository institutions
  • $81,181Interest-bearing balances
  • $94,959Securities
  • $14Federal funds sold & reverse repurchase agreements
  • $359,445Net loans & leases
  • $14,003Loan loss allowance
  • $0Trading account assets
  • $19,048Bank premises and fixed assets
  • $14,015Other real estate owned
  • $0Goodwill and other intangibles
  • $581,770Life insurance assets
  • $4,860All other assets
  • $535,921Total liabilities and capital
  • $499,465Total liabilities
  • $385,253Total deposits
  • $499,465Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 22490.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,000Trading liabilities
  • $0Other borrowed funds
  • $1,966Subordinated debt
  • $45,849All other liabilities
  • $45,849Total equity capital
  • $45,849Total bank equity capital
  • $0Perpetual preferred stock
  • $820Common stock
  • $81,314Surplus
  • $-36,285Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $37,532Income earned, not collected on loans
  • $0Earning assets
  • $2,070Long-term assets (5+ years)
  • $535,599Average Assets, year-to-date
  • $96,534Average Assets, quarterly
  • $597,704Volatile liabilities
  • $583,640Insider loans
  • $402,196FHLB advances
  • $585,299Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $45,355Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $54,575Restructured Loans and leases
  • $15,531Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,585Total interest income
  • $4,763Total interest expense
  • $18,822Net interest income
  • $14,800Provision for loan and lease losses
  • $4,258Total noninterest income
  • $1,614Fiduciary activities
  • $2,511Service charges on deposit accounts
  • $0Trading account gains & fees
  • $133Additional noninterest income
  • $17,631Total noninterest expense
  • $8,545Salaries and employee benefits
  • $2,736Premises and equipment expense
  • $6,350Additional noninterest expense
  • -$9,351Pre-tax net operating income
  • $1,174Securities gains (losses)
  • -$55Applicable income taxes
  • -$8,122Income before extraordinary items
  • $0Extraordinary gains - net
  • -$8,122Net income attributable to bank
  • $0Net charge-offs
  • -$8,122Cash dividends
  • $13,098Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.25%Yield on earning assets
  • 0.86%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.77%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • -1.55%Net operating income to assets
  • -1.36%Return on assets (ROA)
  • -1.37%Pretax return on assets
  • -17.32%Return on equity (ROE)
  • -17.32%Retained earnings to average equity (YTD only)
  • 3.20%Net charge-offs to loans
  • 112.99%Credit loss provision to net charge-offs
  • 0.42%Efficiency ratio
  • 76,391Assets per employee
  • 4.22%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.75%Loss allowance to noncurrent loans
  • 37.31%Noncurrent assets plus other real estate owned to assets
  • 8.86%Noncurrent loans to loans
  • 10.05%Net loans and leases to deposits
  • 71.97%Net loans and leases to core deposits
  • 78.37%Equity capital to assets
  • 7.88%Core capital (leverage) ratio
  • 7.75%Tier 1 risk-based capital ratio
  • 11.28%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $597,704Average earning assets
  • $46,889Average equity
  • $554,622Average 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
  • $151,551Managed Assets
  • 1Number of Accounts
  • $134,443Personal trust and agency accounts
  • $83,092Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $35,285Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $16,066Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 746Number of Accounts
  • $0Personal trust and agency accounts
  • $35,285Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $17,108Other retirement accounts
  • $13,001Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $1,869Fiduciary accounts held in foreign offices

List of branches

  • 13 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    014094Suburban Bank & Trust Company150 Butterfield Road, Elmhurst, IL 60126June 24, 1971Full Service Brick and Mortar
    115459Wooddale Branch372 North Wooddale Road, Wood Dale, IL 60191March 18, 1976Full Service Brick and Mortar
    215801Orland Park Branch15330 South La Grange Road, Orland Park, IL 60462May 01, 1978Full Service Brick and Mortar
    3255058Lemont Branch12400 Archer Avenue, Lemont, IL 60439November 21, 1995Full Service Brick and Mortar
    415809New Lenox Branch400 East Lincoln Highway, New Lenox, IL 60451May 15, 1978Full Service Brick and Mortar
    511687Chicago Branch9901 South Western Avenue, Chicago, IL 60643March 22, 1957Full Service Brick and Mortar
    6242616Markham Branch3120 West 159th Street, Markham, IL 60426March 22, 1984Full Service Brick and Mortar
    7251064North Elmhurst Branch400 W Lake Street, Elmhurst, IL 60126December 10, 1998Full Service Brick and Mortar
    8190154Oak Lawn Branch10350 South Cicero Avenue, Oak Lawn, IL 60453January 04, 1988Full Service Brick and Mortar
    9444119Wheaton Branch500 South County Farm Road, Wheaton, IL 60187August 09, 2005Full Service Brick and Mortar
    10478334Spring Road Branch513 Spring Road, Elmhurst, IL 60126September 14, 2007Full Service Brick and Mortar
    11478335Park Avenue Branch130 W. Park Avenue, Elmhurst, IL 60126Febuary 19, 2008Full Service Brick and Mortar
    12478336Glen Ellyn Branch674 Roosevelt Road, Glen Ellyn, IL 60137May 05, 2008Full Service Brick and Mortar

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