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Inland Bank is a U.S. Federal Deposit Insurance Corporation-insured, privately held bank based in Oak Brook, Illinois with $1 billion in assets and $897 million in deposits.〔(FDIC_ BankFind ). Inland Bank & Trust. Financials. Fdic.gov. June 30, 2014. Retrieved October 2, 2014.〕 The bank is led and majority owned by the Inland Group Chairman Daniel L. Goodwin. 〔(Annual Report of Holding Companies—FR Y-6 for Inland Bancorp, Inc ). (PDF). Chicagofed.org. December 31, 2013. Retrieved October 2, 2014.〕 Inland has 10 branches in the west suburbs of Chicago.〔(“Ten Chicagoland Locations.” ) Inlandbank.com. Retrieved October 2, 2014.〕 The bank focuses on commercial real estate lending (33% of total assets), commercial and industrial lending (19% of total assets), U.S. government securities (19% of total assets) and residential lending (15% of total assets).〔(FDIC Key Demographic Information. ) Inland Bank & Trust. ID Report Selections: Net Loans and Leases, Securities.〕 == Regulatory Problems Impeded Growth == In November 2012, the FDIC and Illinois Division of Banking reversed a unique arrangement that let the bank appear profitable during the Recession of 2008 by shifting responsibility for losses to an undisclosed sister company owned by Goodwin.〔Daniels, Steve. (“Regulators may put a lid on Inland Bank’s growth.” ) November 19, 2012. Chicagobusiness.com. Retrieved October 2, 2014.〕 Inland Bank submitted bids to the FDIC for multiple banks while the arrangement enabled it to hide losses, and won a 2011 bid for First Choice Bank in Geneva, Illinois.〔Daniels, Steve. (“Regulators may put a lid on Inland Bank’s growth.” ) November 19, 2012. Chicagobusiness.com. Retrieved October 2, 2014.〕 Prior to the regulatory intervention, Inland Bank had tripled in size in five years by acquiring First Choice Bank and banks in Countryside, Illinois and Lake Zurich, Illinois.〔Daniels, Steve. (“Regulators may put a lid on Inland Bank’s growth.” ) November 19, 2012. Chicagobusiness.com. Retrieved October 2, 2014.〕 An Oak Park-based consultant to community banks at the time told ''Crain’s Chicago Business'' that “You don't want outliers with regard to financial institutions. This was an outlier. Regulators just want to know if you're healthy or you're not healthy. . . . Why should (Inland) be treated differently than the other $1 billion-plus banks in the same situation?”〔Daniels, Steve. (“Regulators may put a lid on Inland Bank’s growth.” ) November 19, 2012. Chicagobusiness.com. Retrieved October 2, 2014.〕 The consent order ending the loss-share agreement〔(Consent Order FDIC-12-378b. ) (PDF). Idfpr.com. November 16, 2012. Retrieved October 2, 2014.〕 also led to Goodwin and other shareholders injecting $30 million in new equity into the bank.〔(Annual Report of Holding Companies—FR Y-6 for Inland Bancorp, Inc. ) Chicagofed.org. December 31, 2013. Retrieved October 2, 2014.〕 Regulators lifted the order in July 2013.〔Daniels, Steve. (“Regulatory clouds lift on Parkway, Inland banks.” ) July 30, 2013. Chicagobusiness.com. Retrieved October 2, 2014.〕 Inland Bank received a total of $731,404 in financial awards from the Treasury Department’s Bank Enterprise Award Program (“BEA”) from 2009 to 2013 while the loss-share agreement and then the consent order were in effect.〔(Award/Allocatee Search Results. ) Inland Bank. Cdfifund.gov. Retrieved October 4, 2014.〕 The Treasury Department has faced criticism concerning whether it was appropriate to reward Inland Bank while it was hiding loses in sister companies and whether Inland Bank should have received a reward for supporting Pan American Bank while both banks were majority-owned by Goodwin.〔(“Treasury Department Questioned by UNITE HERE over millions in rewards to Illinois banks.” ) Businesswire.com. July 22, 2014. Retrieved October 3, 2014.〕 In October 2014, the Illinois Securities Department issued a subpoena regarding Inland Bank’s transactions with Inland American Real Estate Investment Trust,〔(“UNITE HERE: IL Securities Regulator Subpoenas Records from Inland American.” ) Businesswire.com. December 1, 2014. Retrieved December 18, 2014.〕 an investment vehicle tied to Goodwin through the Inland Group.〔(Real Estate Investment Trusts (REITs). ) Inland Real Estate Investment Corporation. Retrieved December 18, 2014.〕 Questions have been raised as to whether Inland American investors unknowingly covered Inland Bank's losses.〔(May 22nd 2014 Letter from UNITE HERE to the SEC )(Correspondence between Ken Mills and Thomas McGuinness beginning May 22nd 2014 )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Inland Bank」の詳細全文を読む スポンサード リンク
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