The Lemont National Bank in Lemont, Illinois (IL)



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The Lemont National Bank routing number info

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The Lemont National Bank
GeneralFDIC Certificate #: 3693
Status: Active
Federal Reserve ID: 480330
Bank Holding Company (Regulatory Top Holder): Lemont Bancorp, Inc. (RSSDID: 1144059, Location: Lemont, IL)
Date Established: January 01, 1901
WWW: http://www.lemontnationalbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 14246
FDIC's unique #: 2363
Numeric code: 3
Regulator: OCC
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: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
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
LocationAddress: 1201 State Street, Lemont, IL 60439
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: $58.7 mil
Equity capital: $5.5 mil
Deposits held in domestic offices: $52.8 mil
Return on assets (ROA): -0.77% (-$0.5 mil)
Quarterly return on assets: -0.80% (-$0.5 mil)
Return on Equity (ROE): -8.29% (-$0.5 mil)
Quarterly return on equity: -8.46% (-$0.5 mil)
Net income: -$0.5 mil
Quarterly Net income: -$0.1 mil
Pretax return on assets: -1.17% (-$686.4 mil)
Quarterly Pretax return on assets: -1.21% (-$709.9 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)20
Total assets$58,668
Cash and due from depository institutions$27,548
Interest-bearing balances$24,890
Securities$16,041
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$9,277
Loan loss allowance $76
Trading account assets$0
Bank premises and fixed assets$4,720
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$1,082
Life insurance assets$58,668
Total liabilities and capital$53,150
Total liabilities$52,836
Total deposits$40,236
Interest-bearing deposits$52,836
Deposits held in domestic offices$99
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $314
All other liabilities $5,518
Total equity capital$5,518
Total bank equity capital$5,518
Perpetual preferred stock$0
Common stock$420
Surplus$435
Undivided profits $4,663
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $89
Average Assets, year-to-date $50,208
Average Assets, quarterly $23,115
Volatile liabilities $59,017
Insider loans $59,084
FHLB advances $12,119
Loans and leases held for sale $58,770
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $4,361
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,036
Derivatives$973
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,450
Total interest expense $306
Net interest income $1,144
Provision for loan and lease losses $0
Total noninterest income $134
Fiduciary activities $0
Service charges on deposit accounts $62
Trading account gains & fees $0
Additional noninterest income $72
Total noninterest expense $1,969
Salaries and employee benefits $1,125
Premises and equipment expense $285
Additional noninterest expense $559
Pre-tax net operating income -$691
Securities gains (losses) $0
Applicable income taxes -$235
Income before extraordinary items -$456
Extraordinary gains - net $0
Net income attributable to bank -$456
Net charge-offs $0
Cash dividends -$456
Sale, conversion, retirement of capital stock, net $0
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 assets2.86%
Cost of funding earning assets 0.60%
Net interest margin 2.25%
Noninterest income to earning assets 0.26%
Noninterest expense to earning assets 3.88%
Net operating income to assets -0.77%
Return on assets (ROA) -0.77%
Pretax return on assets -1.17%
Return on equity (ROE) -8.29%
Retained earnings to average equity (YTD only) -8.29%
Net charge-offs to loans 0.00%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$154,069
Cash dividends to net income (YTD only)2.93%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.81%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 17.56%
Equity capital to assets 17.77%
Core capital (leverage) ratio 9.41%
Tier 1 risk-based capital ratio 7.42%
Total risk-based capital ratio 35.98%
Memoranda
Average assets$37
Average earning assets$59,017
Average equity $5,498
Average loans $50,783
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6 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02363The Lemont National Bank1201 State Street, Lemont, IL 60439January 01, 1901Full Service Brick and Mortar
2201748Dupage Branch9700 South Lemont Road, Lemont, IL 60439October 08, 1990Full Service Brick and Mortar
3201749Lemont Branch310 Main Street, Lemont, IL 60439January 25, 1991Full Service Brick and Mortar
4201750Franciscan Village Bank Branch1270 Village Drive, Lemont Township, IL 60439September 30, 1991Full Service Brick and Mortar
5360171Marian Villalge Branch15624 Marian Drive, Homer Glen, IL 60441May 11, 2001Full Service Brick and Mortar
6364379Victorian Village Branch12565 Renaissance Circle, Homer Glen, IL 60491June 25, 2002Full Service Brick and Mortar
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