The Leaders Bank in Oak Brook, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Leaders Bank - Overview

  • General
  • FDIC Certificate #: 35422
    Status: Active
    Federal Reserve ID: 2855978
    Bank Holding Company (Regulatory Top Holder): Leaders Group, Inc., The (RSSDID: 2856014, Location: Oak Brook, IL)
    Date Established: May 03, 2000
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 80017
    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: May 03, 2000
    Last Structure Change Effective Date: October 28, 2010
    Last Structure Change Process Date: October 28, 2010
    Last Data Update: October 28, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 2001 York Road, Oak Brook, IL 60523
    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: $462.9 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $445.1 mil
    Return on assets (ROA): -4.49% (-$20.8 mil)
    Quarterly return on assets: -2.42% (-$11.2 mil)
    Return on Equity (ROE): -121.34% (-$8.5 mil)
    Quarterly return on equity: -131.15% (-$9.2 mil)
    Net income: -$24.7 mil
    Quarterly Net income: -$2.9 mil
    Pretax return on assets: -4.46% (-$20,643.6 mil)
    Quarterly Pretax return on assets: -2.42% (-$11,201.3 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
  • 52Total employees (full-time equivalent)
  • $462,862Total assets
  • $49,277Cash and due from depository institutions
  • $43,944Interest-bearing balances
  • $53,058Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $337,076Net loans & leases
  • $17,691Loan loss allowance
  • $0Trading account assets
  • $1,407Bank premises and fixed assets
  • $17,823Other real estate owned
  • $0Goodwill and other intangibles
  • $462,862Life insurance assets
  • $4,221All other assets
  • $455,424Total liabilities and capital
  • $445,098Total liabilities
  • $359,467Total deposits
  • $445,098Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $7,500Other borrowed funds
  • $2,826Subordinated debt
  • $7,438All other liabilities
  • $7,438Total equity capital
  • $7,438Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $53,043Surplus
  • $-46,605Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $42,441Income earned, not collected on loans
  • $0Earning assets
  • $1,066Long-term assets (5+ years)
  • $434,078Average Assets, year-to-date
  • $23,796Average Assets, quarterly
  • $550,133Volatile liabilities
  • $484,812Insider loans
  • $367,166FHLB advances
  • $487,475Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,527Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $56,366Restructured Loans and leases
  • $7,628Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $20,960Total interest income
  • $5,646Total interest expense
  • $15,314Net interest income
  • $21,829Provision for loan and lease losses
  • -$3,645Total noninterest income
  • $0Fiduciary activities
  • $719Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$4,364Additional noninterest income
  • $14,379Total noninterest expense
  • $5,330Salaries and employee benefits
  • $1,682Premises and equipment expense
  • $7,367Additional noninterest expense
  • -$24,539Pre-tax net operating income
  • $0Securities gains (losses)
  • $137Applicable income taxes
  • -$24,676Income before extraordinary items
  • $0Extraordinary gains - net
  • -$24,676Net income attributable to bank
  • $0Net charge-offs
  • -$24,676Cash dividends
  • $24,528Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.02%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 2.94%Net interest margin
  • -0.70%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • -4.49%Net operating income to assets
  • -4.49%Return on assets (ROA)
  • -4.46%Pretax return on assets
  • -121.34%Return on equity (ROE)
  • -121.34%Retained earnings to average equity (YTD only)
  • 5.68%Net charge-offs to loans
  • 89.00%Credit loss provision to net charge-offs
  • -0.11%Efficiency ratio
  • 123,224Assets per employee
  • 8.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.99%Loss allowance to noncurrent loans
  • 41.68%Noncurrent assets plus other real estate owned to assets
  • 13.02%Noncurrent loans to loans
  • 11.96%Net loans and leases to deposits
  • 75.73%Net loans and leases to core deposits
  • 97.52%Equity capital to assets
  • 1.61%Core capital (leverage) ratio
  • 1.34%Tier 1 risk-based capital ratio
  • 1.78%Total risk-based capital ratio
  • Memoranda
  • $4Average assets
  • $550,133Average earning assets
  • $20,336Average equity
  • $521,483Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    080017The Leaders Bank2001 York Road, Oak Brook, IL 60523May 03, 2000Full Service Brick and Mortar
    2480479Naperville Branch2075 Calamos Court, Naperville, IL 60563August 22, 2008Full Service Brick and Mortar

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