The Lemont National Bank in Lemont, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Lemont National Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 20Total employees (full-time equivalent)
  • $58,668Total assets
  • $27,548Cash and due from depository institutions
  • $24,890Interest-bearing balances
  • $16,041Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $9,277Net loans & leases
  • $76Loan loss allowance
  • $0Trading account assets
  • $4,720Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $58,668Life insurance assets
  • $1,082All other assets
  • $53,150Total liabilities and capital
  • $52,836Total liabilities
  • $40,236Total deposits
  • $52,836Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $314Subordinated debt
  • $5,518All other liabilities
  • $5,518Total equity capital
  • $5,518Total bank equity capital
  • $0Perpetual preferred stock
  • $420Common stock
  • $435Surplus
  • $4,663Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $89Long-term assets (5+ years)
  • $50,208Average Assets, year-to-date
  • $23,115Average Assets, quarterly
  • $59,017Volatile liabilities
  • $59,084Insider loans
  • $12,119FHLB advances
  • $58,770Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,361Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,036Restructured Loans and leases
  • $973Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,450Total interest income
  • $306Total interest expense
  • $1,144Net interest income
  • $0Provision for loan and lease losses
  • $134Total noninterest income
  • $0Fiduciary activities
  • $62Service charges on deposit accounts
  • $0Trading account gains & fees
  • $72Additional noninterest income
  • $1,969Total noninterest expense
  • $1,125Salaries and employee benefits
  • $285Premises and equipment expense
  • $559Additional noninterest expense
  • -$691Pre-tax net operating income
  • $0Securities gains (losses)
  • -$235Applicable income taxes
  • -$456Income before extraordinary items
  • $0Extraordinary gains - net
  • -$456Net income attributable to bank
  • $0Net charge-offs
  • -$456Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.86%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 2.25%Net interest margin
  • 0.26%Noninterest income to earning assets
  • 3.88%Noninterest expense to earning assets
  • -0.77%Net operating income to assets
  • -0.77%Return on assets (ROA)
  • -1.17%Pretax return on assets
  • -8.29%Return on equity (ROE)
  • -8.29%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 154,069Assets per employee
  • 2.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 17.56%Net loans and leases to core deposits
  • 17.77%Equity capital to assets
  • 9.41%Core capital (leverage) ratio
  • 7.42%Tier 1 risk-based capital ratio
  • 35.98%Total risk-based capital ratio
  • Memoranda
  • $37Average assets
  • $59,017Average earning assets
  • $5,498Average equity
  • $50,783Average loans

List of branches

  • 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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