The National Bank & Trust Company of Sycamore in Sycamore, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The National Bank & Trust Company of Sycamore - Overview

  • General
  • FDIC Certificate #: 10036
    Status: Active
    Federal Reserve ID: 534345
    Bank Holding Company (Regulatory Top Holder): Ni Bancshares Corporation (RSSDID: 1827893, Location: Sycamore, IL)
    Date Established: January 29, 1867
    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: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 15738
    FDIC's unique #: 6414
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 20, 2006
    Last Structure Change Process Date: May 11, 2006
    Last Data Update: May 11, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 230 West State Street, Sycamore, IL 60178
    County: Dekalb
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    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: $589.8 mil
    Equity capital: $71.0 mil
    Deposits held in domestic offices: $516.0 mil
    Return on assets (ROA): 0.27% ($1.6 mil)
    Quarterly return on assets: 0.04% ($0.2 mil)
    Return on Equity (ROE): 2.33% ($1.7 mil)
    Quarterly return on equity: 0.35% ($0.2 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.33% ($1,946.4 mil)
    Quarterly Pretax return on assets: -0.05% (-$294.9 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
  • 175Total employees (full-time equivalent)
  • $589,812Total assets
  • $94,357Cash and due from depository institutions
  • $67,837Interest-bearing balances
  • $139,096Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $316,566Net loans & leases
  • $2,468Loan loss allowance
  • $0Trading account assets
  • $17,853Bank premises and fixed assets
  • $6,340Other real estate owned
  • $5,592Goodwill and other intangibles
  • $589,812Life insurance assets
  • $10,008All other assets
  • $518,795Total liabilities and capital
  • $515,995Total liabilities
  • $440,447Total deposits
  • $515,995Interest-bearing deposits
  • $80Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,800Subordinated debt
  • $71,017All other liabilities
  • $71,017Total equity capital
  • $71,017Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $16,465Surplus
  • $52,552Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $3,626Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,542Income earned, not collected on loans
  • $0Earning assets
  • $2,997Long-term assets (5+ years)
  • $523,499Average Assets, year-to-date
  • $32,848Average Assets, quarterly
  • $596,426Volatile liabilities
  • $609,316Insider loans
  • $367,571FHLB advances
  • $601,268Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $63,753Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $74,411Restructured Loans and leases
  • $1,245Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $22,097Total interest income
  • $4,516Total interest expense
  • $17,581Net interest income
  • $2,290Provision for loan and lease losses
  • $7,883Total noninterest income
  • $4,474Fiduciary activities
  • $1,693Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,716Additional noninterest income
  • $21,294Total noninterest expense
  • $11,635Salaries and employee benefits
  • $3,142Premises and equipment expense
  • $6,517Additional noninterest expense
  • $1,880Pre-tax net operating income
  • $102Securities gains (losses)
  • $357Applicable income taxes
  • $1,625Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,625Net income attributable to bank
  • $0Net charge-offs
  • $1,625Cash dividends
  • $3,786Sale, conversion, retirement of capital stock, net
  • $325Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.13%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 3.28%Net interest margin
  • 1.47%Noninterest income to earning assets
  • 3.98%Noninterest expense to earning assets
  • 0.26%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.33%Pretax return on assets
  • 2.33%Return on equity (ROE)
  • 1.87%Retained earnings to average equity (YTD only)
  • 1.17%Net charge-offs to loans
  • 60.49%Credit loss provision to net charge-offs
  • 1.10%Efficiency ratio
  • 82,870Assets per employee
  • 3.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 20.00%Loss allowance to loans
  • 0.77%Loss allowance to noncurrent loans
  • 32.72%Noncurrent assets plus other real estate owned to assets
  • 2.35%Noncurrent loans to loans
  • 2.36%Net loans and leases to deposits
  • 61.35%Net loans and leases to core deposits
  • 69.49%Equity capital to assets
  • 12.04%Core capital (leverage) ratio
  • 10.60%Tier 1 risk-based capital ratio
  • 17.34%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $596,426Average earning assets
  • $69,637Average equity
  • $535,679Average 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
  • $587,522Managed Assets
  • 1Number of Accounts
  • $419,199Personal trust and agency accounts
  • $176,188Employee benefit-defined contribution accounts
  • $7,467Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $48,143Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $155,631Other fiduciary accounts
  • $31,770Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1095Number of Accounts
  • $0Personal trust and agency accounts
  • $48,143Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $168,323Other retirement accounts
  • $0Corporate trust and agency accounts
  • $58,593Other fiduciary accounts
  • $11,212Fiduciary accounts held in foreign offices

List of branches

  • 10 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06414The National Bank & Trust Company Of230 West State Street, Sycamore, IL 60178January 29, 1867Full Service Brick and Mortar
    1264332Coltonville Branch1425 Dekalb Avenue, Sycamore, IL 60178January 01, 1887Full Service Brick and Mortar
    2221714Dekalb Market Square Branch2290 Sycamore Road, Dekalb, IL 60115May 29, 1998Full Service Brick and Mortar
    3423216Messenger Service Branch230 West State Street, Sycamore, IL 60178June 01, 2003Limited Service Messenger
    4424666Genoa Branch601 Pearson Drive, Genoa, IL 60135November 04, 2003Full Service Brick and Mortar
    510484Dekalb Branch155 North Third Street, Dekalb, IL 60115September 15, 1945Full Service Brick and Mortar
    6237858Serena BranchU.S. Route 52, Somonauk Road, Serena, IL 60549May 02, 1983Full Service Brick and Mortar
    7237859Leland Branch200 North Main Street, Leland, IL 60531January 10, 1994Full Service Brick and Mortar
    8475976Nb&T Elburn Branch930 North Main Street, Elburn, IL 60119January 21, 2008Full Service Brick and Mortar
    9475977Lamexicana In-Store Branch1029 Pleasant Street, Dekalb, IL 60115Febuary 04, 2008Full Service Retail

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