Vitals
  • Total Assets
    1.0B 24.3 %
  • Total Deposits
    891.1M 26.7 %
  • Total Net Loans
    823.8M 25.0 %
  • Net Income
    7.8M 7.9 %
  • Book Value
    128.6M 50.2 %
  • Book Value x2
    257.1M 50.2 %
  • Book Value x3
    385.6M 50.2 %
ROAA

.897

ROAE

7.979

Efficiency Ratio

58.046

Net Interest Margin

3.383

Balance Sheet Highlights
Financial Highlights St. Charles Bank & Trust Company All Insured Commercial Banks in Illinois
Balance Sheet $(000)
Total Assets 1,025,950 290,894
Total Net Loans 823,756 191,278
Total Deposits 891,138 246,407
Total Equity 128,550 31,125
Profitability
Net Income 7,762 2,670
Return on Average Assets .897 .919
Return on Average Equity 7.979 8.247
Net Interest Margin 3.383 3.499
Efficiency Ratio 58.046 67.9
Noninterest Income/Revenue 7.751 16.598
Balance Sheet Ratios
Loan-to-Deposit 92.439 72.669
Securities/Assets .083 .191
Total Equity/Total Assets .125 .107
Tangible Equity/Tangible Assets .1 .103
Capital Adequacy
Tier 1 Common Capital 104,843 29,670
Tier 1 Capital 104,843 29,720
Tier 2 Capital 4,502 2,112
Total Capital 109,345 31,905
Total Risk Weighted Assets 911,878 212,461
Leverage Ratio 11.24 10.62
Common Equity Tier 1 Capital Ratio 11.5 16.313
Tier 1 Capital Ratio 11.5 16.329
Total Capital Ratio 11.99 17.341

Timeline for St. Charles Bank & Trust Company

First Community Bank

Acquisition: St. Charles Bank & Trust Company acquired a new subsidiary, First Community Bank, 7 years

View Profile Nov 19 2016

The Elgin State Bank

Acquisition: St. Charles Bank & Trust Company acquired a new subsidiary, The Elgin State Bank, 12 years

View Profile Sep 30 2011

Hinsdale Bank & Trust Company

St. Charles Bank & Trust Company was acquired by Hinsdale Bank & Trust Company 17 years

View Profile Nov 04 2006

Wintrust Financial Corporation

Wintrust Financial Corporation became a new parent organization for St. Charles Bank & Trust Company.

View Profile May 31 2006

Northern Illinois Financial Services, Llc

Northern Illinois Financial Services, Llc became a new subsidiary organization for St. Charles Bank & Trust Company.

View Profile Aug 23 1996

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Complete timeline for St. Charles Bank & Trust Company is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
First Community Bank Seller 171,541 Acquisition Discontinued 11/19/2016
The Elgin State Bank Seller 276,803 Acquisition Discontinued 9/30/2011
Hinsdale Bank & Trust Company Buyer 2,071,611 Sale of Assets 11/4/2006
Relationships Role Relationship Start Relationship End
Wintrust Financial Corporation Parent 5/31/2006
Hinsbrook Bancshares, Inc. Parent 7/1/1992 5/30/2006
Northern Illinois Financial Services, Llc Subsidary 8/23/1996 8/31/2001
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