Wheaton Bank & Trust in Wheaton, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Wheaton Bank & Trust - Overview

  • General
  • FDIC Certificate #: 33803
    Status: Active
    Federal Reserve ID: 2044811
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: May 17, 1993
    WWW: http://www.wheatonbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 12660
    FDIC's unique #: 48083
    Numeric code: 13
    Regulator: FED
    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 17, 1993
    Last Structure Change Effective Date: October 22, 2010
    Last Structure Change Process Date: July 05, 2011
    Last Data Update: July 05, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 211 South Wheaton Avenue, Wheaton, IL 60187
    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)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $714.9 mil
    Equity capital: $80.0 mil
    Deposits held in domestic offices: $601.0 mil
    Return on assets (ROA): 0.49% ($3.5 mil)
    Quarterly return on assets: 0.44% ($3.1 mil)
    Return on Equity (ROE): 4.29% ($3.4 mil)
    Quarterly return on equity: 3.94% ($3.2 mil)
    Net income: $3.4 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 0.82% ($5,862.0 mil)
    Quarterly Pretax return on assets: 0.70% ($5,004.1 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
  • 71Total employees (full-time equivalent)
  • $714,878Total assets
  • $17,518Cash and due from depository institutions
  • $12,235Interest-bearing balances
  • $59,989Securities
  • $16Federal funds sold & reverse repurchase agreements
  • $508,217Net loans & leases
  • $13,233Loan loss allowance
  • $0Trading account assets
  • $15,595Bank premises and fixed assets
  • $16,253Other real estate owned
  • $27,246Goodwill and other intangibles
  • $714,878Life insurance assets
  • $70,044All other assets
  • $634,923Total liabilities and capital
  • $601,031Total liabilities
  • $493,427Total deposits
  • $601,031Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 11632.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,000Trading liabilities
  • $0Other borrowed funds
  • $15,260Subordinated debt
  • $79,955All other liabilities
  • $79,955Total equity capital
  • $79,955Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $70,550Surplus
  • $7,405Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $60,268Income earned, not collected on loans
  • $0Earning assets
  • $1,999Long-term assets (5+ years)
  • $580,457Average Assets, year-to-date
  • $71,128Average Assets, quarterly
  • $707,136Volatile liabilities
  • $711,766Insider loans
  • $495,508FHLB advances
  • $689,116Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $52,911Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $76,261Restructured Loans and leases
  • $14,660Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $31,448Total interest income
  • $4,880Total interest expense
  • $26,568Net interest income
  • $6,072Provision for loan and lease losses
  • $1,757Total noninterest income
  • $0Fiduciary activities
  • $346Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,411Additional noninterest income
  • $16,532Total noninterest expense
  • $7,582Salaries and employee benefits
  • $1,334Premises and equipment expense
  • $7,616Additional noninterest expense
  • $5,721Pre-tax net operating income
  • $48Securities gains (losses)
  • $2,331Applicable income taxes
  • $3,438Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,438Net income attributable to bank
  • $0Net charge-offs
  • $3,438Cash dividends
  • $6,993Sale, conversion, retirement of capital stock, net
  • $13,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.44%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.60%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • 0.48%Net operating income to assets
  • 0.49%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 4.29%Return on equity (ROE)
  • -11.94%Retained earnings to average equity (YTD only)
  • 1.41%Net charge-offs to loans
  • 86.83%Credit loss provision to net charge-offs
  • 1.69%Efficiency ratio
  • 57,472Assets per employee
  • 10.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 378.13%Loss allowance to loans
  • 2.54%Loss allowance to noncurrent loans
  • 21.96%Noncurrent assets plus other real estate owned to assets
  • 10.70%Noncurrent loans to loans
  • 11.56%Net loans and leases to deposits
  • 84.56%Net loans and leases to core deposits
  • 96.13%Equity capital to assets
  • 11.18%Core capital (leverage) ratio
  • 7.68%Tier 1 risk-based capital ratio
  • 10.68%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $707,136Average earning assets
  • $80,052Average equity
  • $577,568Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048083Wheaton Bank & Trust211 South Wheaton Avenue, Wheaton, IL 60187May 17, 1993Full Service Brick and Mortar
    5361513Glen Ellyn Branch500 Roosevelt Road, Glen Ellyn, IL 60137August 28, 2000Full Service Brick and Mortar
    8428533First National Bank Of Naperville Br555 Fort Hill Drive, Naperville, IL 60540September 15, 2003Full Service Brick and Mortar
    9521302South Naperville Branch1205 S Naper Blvd, Naperville, IL 60540May 01, 2011Full Service Brick and Mortar

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