Deposit and Retail Services
The Bank offers a full range of deposit products and services, including checking,
NOW, money market, and savings accounts and various types of short-term and
long-term certificates of deposit. These products are tailored to our primary
market area at competitive rates. In addition to these products, the Bank offers
debit and automated teller machine ("ATM") cards, credit cards, internet
and mobile banking, telephone banking, and financial education services.
Commercial and Consumer Lending
The Bank originates commercial and industrial, agricultural, commercial real
estate, and consumer loans, primarily to businesses and residents in the Bank's
market areas. In addition to originating loans, the Bank offers capital market
products to commercial customers as risk management solutions, which include
derivatives and interest rate risk products.
Commercial and Industrial and Agricultural Loans
The Bank provides commercial and industrial loans to middle market businesses
generally located in the Chicago metropolitan area. Our broad range of financing
products includes working capital loans and lines of credit; accounts receivable
financing; inventory and equipment financing; and select sector-based lending
such as leasing, healthcare, asset-based lending, structured finance, and syndications.
The Bank provides agricultural loans to meet seasonal production, equipment,
and farm real estate borrowing needs of individual and corporate crop and livestock
producers.
Commercial Real Estate Loans
The Bank provides a wide array of financing products to developers, investors,
and other real estate professionals which include funding for the construction,
purchase, refinance, or improvement of commercial real estate properties. The
mix of properties securing the loans in the Bank's commercial real estate portfolio
are balanced between owner-occupied and investor categories and are diverse
in terms of type and geographic location, generally within the Bank's markets.
Consumer Loans
Consumer loan products include mortgages, home equity lines and loans, personal
loans, specialty loans, and auto loans. These products are generally provided
to the residents who live and work within the Bank's market areas.
Treasury Management
Our treasury management products and services provide commercial customers the
ability to manage cash flow. These products include receivable services such
as ACH collections, lockbox, remote deposit capture, and financial electronic
data interchange; payables and payroll services, such as wire transfer, account
reconciliation, controlled disbursement, direct deposit, and positive pay; information
reporting services; liquidity management; corporate credit cards; fraud prevention;
and merchant services.
Wealth Management
Our wealth management group provides investment management services, fiduciary
and executor services, financial planning solutions, employee benefit plans,
and private banking services to our institutional and individual customers,
including corporate and public retirement plans, foundations and endowments,
high net worth individuals, and multi-employer trust funds. These services are
provided through Parasol, the Company's registered investment advisor, and credentialed
investment, legal, tax, and wealth management professionals who identify opportunities
and provide services tailored to our customers' goals and objectives.