The PrivateBank and Trust Company in Chicago, Illinois (IL), GA, MI, MO, KS

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The PrivateBank and Trust Company
GeneralFDIC Certificate #: 33306
Status: Active
Federal Reserve ID: 1842065
Bank Holding Company (Regulatory Top Holder): Privatebancorp, Inc. (RSSDID: 1839319, Location: Chicago, IL)
Date Established: Febuary 06, 1991
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 30 (Domestic: 30, Interstate: Yes)
OTS Docket #: 10042
FDIC's unique #: 46854
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: Febuary 06, 1991
Last Structure Change Effective Date: November 01, 2010
Last Structure Change Process Date: November 19, 2010
Last Data Update: November 19, 2010
Data Source Date: April 05, 2012
LocationAddress: 70 West Madison , Suite 200, Chicago, IL 60602
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 ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $12,392.4 mil
Equity capital: $1,357.9 mil
Deposits held in domestic offices: $10,542.5 mil
Return on assets (ROA): 0.58% ($71.9 mil)
Quarterly return on assets: 0.63% ($78.1 mil)
Return on Equity (ROE): 5.43% ($73.7 mil)
Quarterly return on equity: 5.66% ($76.9 mil)
Net income: $70.9 mil
Quarterly Net income: $19.1 mil
Pretax return on assets: 0.90% ($111,531.3 mil)
Quarterly Pretax return on assets: 1.03% ($127,641.4 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)1,045
Total assets$12,392,366
Cash and due from depository institutions$356,716
Interest-bearing balances$200,585
Federal funds sold & reverse repurchase agreements$5,024
Net loans & leases$9,061,382
Loan loss allowance $217,532
Trading account assets$101,676
Bank premises and fixed assets$36,969
Other real estate owned$156,071
Goodwill and other intangibles$110,237
All other assets$290,683
Life insurance assets$12,392,366
Total liabilities and capital$11,034,515
Total liabilities$10,542,517
Total deposits$7,288,852
Interest-bearing deposits$10,542,517
Deposits held in domestic offices$55
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $104,140
Trading liabilities$171,000
Other borrowed funds $120,000
Subordinated debt $96,858
All other liabilities $1,357,851
Total equity capital$1,357,851
Total bank equity capital$1,357,851
Perpetual preferred stock$0
Common stock$1,769
Undivided profits $273,492
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $32,049
Income earned, not collected on loans $279,747
Earning assets $0
Long-term assets (5+ years) $34,948
Average Assets, year-to-date $11,540,599
Average Assets, quarterly $2,033,626
Volatile liabilities $12,274,537
Insider loans $12,191,003
FHLB advances $11,166,490
Loans and leases held for sale $12,194,723
Unused loan commitments $50,966
Tier 1 (core) risk-based capital $31,257
Tier 2 risk-based capital $1,201,229
Total risk weighted assets $19,709
Total unused commitments $0
Restructured Loans and leases $4,107,169
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $481,136
Total interest expense $57,503
Net interest income $423,633
Provision for loan and lease losses $132,897
Total noninterest income $70,830
Fiduciary activities $12,741
Service charges on deposit accounts $19,411
Trading account gains & fees $19,341
Additional noninterest income $19,337
Total noninterest expense $256,576
Salaries and employee benefits $138,680
Premises and equipment expense $29,147
Additional noninterest expense $88,749
Pre-tax net operating income $104,990
Securities gains (losses) $5,798
Applicable income taxes $39,709
Income before extraordinary items $71,079
Extraordinary gains - net $0
Net income attributable to bank $70,909
Net charge-offs $170
Cash dividends $71,079
Sale, conversion, retirement of capital stock, net $161,575
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 assets4.20%
Cost of funding earning assets 0.50%
Net interest margin 3.70%
Noninterest income to earning assets 0.62%
Noninterest expense to earning assets 2.24%
Net operating income to assets 0.55%
Return on assets (ROA) 0.58%
Pretax return on assets 0.90%
Return on equity (ROE) 5.43%
Retained earnings to average equity (YTD only) 5.43%
Net charge-offs to loans 1.76%
Credit loss provision to net charge-offs 82.25%
Efficiency ratio1.47%
Assets per employee$51,589
Cash dividends to net income (YTD only)11.86%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.34%
Noncurrent assets plus other real estate owned to assets 77.76%
Noncurrent loans to loans 3.52%
Net loans and leases to deposits3.01%
Net loans and leases to core deposits 85.95%
Equity capital to assets 101.60%
Core capital (leverage) ratio 10.96%
Tier 1 risk-based capital ratio 9.85%
Total risk-based capital ratio 10.76%
Average assets$13
Average earning assets$12,274,537
Average equity $1,306,520
Average loans $11,448,413
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$2,015,265
Number of Accounts1
Personal trust and agency accounts$1,989,756
Employee benefit-defined contribution accounts$441,602
Employee benefit-defined benefit accounts$52,197
Other retirement accounts$72,247
Corporate trust and agency accounts$74,635
Investment management agency accounts$32,111
Other fiduciary accounts$1,267,843
Fiduciary accounts held in foreign offices$49,121
Non-managed Assets$0
Number of Accounts1249
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$74,635
Employee benefit-defined benefit accounts$0
Other retirement accounts$25,509
Corporate trust and agency accounts$14,014
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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3 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
9359653The Privatebank Branch3423 Piedmont Road, Suite 125, Atlanta, GA 30305October 09, 2001Full Service Brick and Mortar
10461029Peachtree Corners Banking Center3169 Holcomb Bridge Road, Norcross, GA 30071March 17, 2006Full Service Retail
11480092North Fulton Branch5895 Windward Parkway, Suite 150, Alpharetta, GA 30005November 12, 2007Full Service Retail
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19 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
046854The Privatebank And Trust Company70 West Madison , Suite 200, Chicago, IL 60602Febuary 06, 1991Full Service Brick and Mortar
1289431Wilmette Branch517 Green Bay Road, Wilmette, IL 60091October 11, 1994Full Service Brick and Mortar
2289432Oak Brook Branch1110 Jorie Boulevard, Oak Brook, IL 60523January 06, 1997Full Service Brick and Mortar
3289433Saint Charles Branch24 South Second Stereet, Saint Charles, IL 60174January 31, 2000Full Service Brick and Mortar
447126Lake Forest Branch920 South Waukegan Road, Lake Forest, IL 60045June 28, 1991Full Service Brick and Mortar
5289622Winnetka Branch1000 Green Bay Road, Winnetka, IL 60093November 16, 1993Full Service Brick and Mortar
7442454Gold Coast Branch149 East Walton 2nd Floor, Chicago, IL 60611January 27, 2005Full Service Brick and Mortar
8452352Geneva Branch501 West State Street, Suite 101, Geneva, IL 60134May 15, 2006Full Service Brick and Mortar
1512298Founders Bank Branch6825 West 111th Street, Worth, IL 60482June 03, 1961Full Service Brick and Mortar
16245190Palos Heights Facility11850 South Harlem Avenue, Palos Heights, IL 60463May 12, 1981Full Service Brick and Mortar
17245191Peace Memorial Facility10300 Village Circle Drive, Palos Park, IL 60464November 01, 1989Limited Service Facility
1811113Mount Greenwood Branch3052 West 111th Street, Chicago, IL 60655September 27, 1951Full Service Brick and Mortar
19240247Oak Lawn Facility105th Place And Cicero Avenue, Oak Lawn, IL 60453August 06, 1984Full Service Brick and Mortar
2012920Minooka BranchMinooka And Ridge Roads, Minooka, IL 60447April 11, 1964Full Service Brick and Mortar
21247283Channahon Branch23840 West Eames Street, Channahon, IL 60410December 27, 1994Full Service Brick and Mortar
22245192Tinley Park Branch17865 S. 80th Avenue, Tinley Park,, IL 60477April 17, 1999Full Service Brick and Mortar
24420292Homer Glen Branch14102 South Bell Road, Homer Glen, IL 60441August 02, 2002Full Service Brick and Mortar
25420293Joliet Branch1550 Essington Road, Joliet, IL 60435June 09, 2003Full Service Brick and Mortar
26466613Orland Park Branch14497 John Humphries Drive, Orland Park, IL 60462October 30, 2006Full Service Brick and Mortar
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1 Kansas Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
29491837Overland Park, Ks Branch7500 College Boulevard, Suite 1200, Overland Park, KS 66210May 01, 2009Full Service Brick and Mortar
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3 Michigan Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
1240435Privatebank Michigan Branch38505 Woodward Avenue, Suite 1300, Bloomfield Hills, MI 48304October 03, 1989Full Service Brick and Mortar
1373833Bank Of Rochester Branch440 Main Street, Rochester, MI 48307July 01, 1999Full Service Brick and Mortar
14419822The Bank Of Grosse Pointe Branch63 Kercheval, Grosse Pointe Farms, MI 48236January 02, 2003Full Service Brick and Mortar
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3 Missouri Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
2780577The Privatgebank St. Louis Branch1401 South Brentwood Blvd, 2nd Floor, Saint Louis, MO 63144June 26, 2000Full Service Brick and Mortar
28464464Chesterfield Branch500 Chesterfield Center Drive, Chesterfield, MO 63017March 01, 2006Full Service Brick and Mortar
30511689Main Street Branch4801 Main Street Suite 600, Kansas City, MO 64112July 01, 2009Full Service Brick and Mortar
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1 Wisconsin Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
31452185743 North Water Street Branch743 North Water Street, Milwaukee, WI 53202January 02, 2007Full Service Brick and Mortar
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