Annual Report - Investor relations

MB Financial, Inc. 2010 Summary Annual Report
We help businesses. We serve people. We support communities.
MB Financial, Inc. is the Chicago-based holding company To help address evolving financial needs, clients are
of MB Financial Bank, N.A. We are defined by a 100-year also able to take advantage of specialized financial solutradition of delivering superior client attention along with tions through MB Financial Bank subsidiaries. Cedar Hill
powerful financial solutions that protect and finance the Associates, a majority-owned subsidiary, provides taiassets and growth of middle-market businesses. We also lored portfolios that meet the individual needs of high
offer robust products, tools and resources to support the net worth clients, their families, endowments and founfinancial needs of small businesses and individuals who dations. LaSalle Solutions, a wholly-owned subsidiary,
offers flexible equipment financing and asset managework and live in the communities we serve.
ment solutions primarily to larger companies. In addition,
MB maintains a true partnership with clients that is Vision Investment Services, a wholly-owned subsidiary,
rarely found in today’s bank environment. We listen. We provides investment and insurance products and serunderstand. We develop long-term relationships with vices through MB Financial Investments**.
businesses, organizations and institutions to help them
manage and grow their assets, small businesses to thrive, Our goal is to be the premier commercial, consumer
individuals to grow, manage and preserve their wealth, and relationship bank serving the Chicago metropolitan
and communities to nurture their economic health. We area. And our fundamental values of integrity, high perare among a small number of banks that works closely formance, customer focus, mutual respect, open comwith leasing companies, providing debt, equity and munication and enthusiastic service continue to define,
bridge financing.
sustain and guide our efforts.
mb means business.
MB means business and our banking professionals are
empowered to present the right mix of financial solutions
wherever and however our clients choose. MB clients
have the flexibility to bank at over 90 banking centers
located throughout Chicagoland, with a banker through
our locally-operated Telephone Banking Center, by connecting through our Phone Access Line (PAL) or logging
on to one of our sophisticated online banking products
any time of day, any day of the week.
As of December 31, 2010:
Assets: $10.3 billion
Loans: $6.6 billion
Deposits: $8.2 billion
Equity: $1.3 billion
Management review
2
MB: A traditional bank… in modern times
5
Consolidated balance sheets
and statements of income
16
Directors and executive officers
18
Services19
Locations20
For additional information, please visit the Investor
Relations section of our website, mbfinancial.com.
You’ll find stock and dividend information, quarterly
earnings, financial releases, SEC filings and more.
Management Review
The past year continued to deliver challenges to businesses, individuals and the banking industry that most
could not have anticipated and most have never experienced. Having served Chicago’s banking needs for 100
years, MB continued to draw from our proven ability to
manage the upturns and downturns of business cycles.
While we remain true to our long-standing business model,
in 2010 we took a hard look at it under the magnifying
glass of today’s environment. We made the necessary
adjustments to ensure that we can continue to meet the
high standards and financial demands of middle-market
businesses and individuals who live and work in the communities we serve.
We have done this many times in our history and will
undoubtedly do it again. The end result included a restructured and reinvigorated senior management leadership
and an enhanced credit management process. These
were not easy decisions, but we believe that we are
well-positioned to meet the challenges and demands of
a highly competitive banking environment.
Like our bank’s founders, who gathered in 1911 over the
shared goal to start a local bank that met the needs of
area business owners, we view change as opportunity
– to grow, to strengthen, to launch further success. Our
vision is that we will exit this business cycle stronger than
when we entered it.
How will we adapt to a new “normal” in a changing banking landscape? We’ll continue to draw from the conservative management practices that have guided us through
previous cycles and rely on the dedication, valued counsel
and unending support of our Board of Directors. Those
efforts will be anchored by the experience, commitment
and talent of over 1,700 MB employees, who bring our
company vision and values to life every day.
2
MB Financial, Inc. 2010 Summary Annual Report
Some of MB’s defining moments of 2010 included:
MB means business
Even though businesses, individuals and communities
braced themselves for the impact of what the economy
presented in the past 12 months, MB continued to invest
appropriately in our clients and their businesses. We
relied heavily on the market knowledge of our bankers,
who average 20 years of experience, to deliver customized solutions that Chicagoland businesses needed to
succeed.
and four locations to our Chicago network of offices and, a
little more than 90 days after joining MB, they seamlessly
moved to our computer operating systems.
In early 2011, we added a new banking center in Vernon
Hills, which now acts as the hub of our north suburban
offices and, in particular, for our North Suburban Commercial Banking Division. This grouping of offices includes the
Glencoe, Glenview/Northfield, Highland Park and Northbrook Banking Centers and uniquely offers commercial
and private banking expertise on site.
MB Paying Agent Express, a paying agent service for leasing companies and a module of our sophisticated, internetbased treasury management system, was introduced in
2010. MB Paying Agent Express is dynamic, comprehensive and customizable and delivers payments securely,
conveniently and cost-effectively.
We rolled out the MB Platinum MasterCard ® Business
Card and MB Platinum MasterCard®. As the market turns
more and more to non-cash payments, the time seemed
right to offer another financial tool to our clients’ money
management toolkit.
Whatever, whenever, however
We added to our strong and versatile talent pool by welcoming seasoned professionals who possess a wealth
of experience in middle-market banking, treasury management, wealth management and private banking. This
infusion of skill and strength to our already experienced
team enhanced the market vision and expertise we offer
our clients.
It’s not our style to boast, but we believe that our banking
professionals set the bar high among all Chicago area
banks. That’s because each member on the team is dedicated to developing and sustaining relationship-driven,
high touch business partnerships that are defined by
customizable, integrated solutions.
Clients want choice, flexibility and customization when it
comes to products and services. Quite simply, they want
it, the way they want it. We understand that and, this year,
we continued to add value to our relationships by providing even more options and points of integration for our
suite of lending, treasury management, wealth management and personal banking products and services.
In particular, we invested in growing our International Banking Division. The Chicago market is in one of the largest
international centers in the country. While MB may have
a local focus, we know that with today’s technologies, it’s
easier for a local business to do business globally.
Securing the foundation
MB continued to work with clients who were interested in
issuing tax-exempt financing. MB assisted many companies and organizations with this type of financing, allowing them to take advantage of stimulus plan provisions,
which directly impacted critical items like job growth and
the expansion of the tax base of communities – all positives for the local economy.
Over the past two years, MB has grown significantly through
FDIC-assisted transactions. In 2010, we welcomed the
clients and many of the employees from the former Broadway and New Century Banks. They added core deposits
We also continued to grow our guardianship and special
needs trust business. Our clients’ needs are well served
at MB through our expertise, broad product offering and
proactive service.
Our clients continue to entrust us with their money and
financial futures. We never lose sight of that fact. It focuses
our vision, shapes our decisions, and aligns our actions.
And it gives our clients many reasons to note, “MB means
business.”
One other area of note: With the introduction of financial
reform in 2011, we recognized an opportunity to redevelop our personal checking products into a collection of
accounts created to meet the requirements of customers
wherever they are along the path of life. Best of all, the
accounts are designed so that most customers will pay
no monthly fees if they continue to use their account in
the same manner they always have.
The heart of banking
We believe that banking is a noble profession and we
conduct our business accordingly. We are a traditional
bank in the truest sense. That means that our role and
purpose is to make the most positive difference we can
for our clients and communities who entrust us with their
financial futures.
In 2010, we took pride in being a good community citizen
and, through our Community Development Corporation
(CDC), our Charitable Foundation and the good deeds of
employees guided by our culture programs, we made a
difference in a year when many organizations pulled back
their giving programs.
In 2010, our CDC was able to:
3
Management Review
• Finance nearly $11.5 million in residential projects that
helped purchase, rehab and preserve affordable housing owner-occupied units in low- and moderate-income
neighborhoods.
Traditional banking in modern times
We’re confident that clients’ needs will continue to be well
served at MB through our expertise, broad product offering and proactive service.
• Finance $57.5 million in affordable rental housing.
• Manage $44.3 million in outstanding investment balances.
In addition, our Charitable Foundation:
• Contributed nearly a half-million dollars in grants and
investments to over 200 local non-profit organizations.
MB also earned an overall “outstanding” Community Reinvestment Act (CRA) rating at our most recent examination
of the Office of the Comptroller of the Currency (OCC). We’re
pretty proud to be one of only 7.8% of banks nationwide
that received such a rating for exams conducted in 2010,
according to the Federal Financial Institutions Examination Council (FFIEC).
For us, community isn’t just about what’s going on around
us – it’s about what’s going on within our organization,
too. We understand that our reputation is a direct reflection of our employees. We are mindful of creating an
environment where people want to work, where they can
grow and prosper and where individual success is directly
aligned with company success.
Company success is anchored by strong leaders. In fact,
someone once said that, “A leader leads by example,
whether he intends to or not.” It was with great sorrow that
we said goodbye to Al Feiger, who passed away in December. Al, who helped launch the creation of MB Financial,
Inc., was a great leader in every sense. More than that,
he was a great friend, mentor, director and inspiration.
4
MB Financial, Inc. 2010 Summary Annual Report
There’s no question that there is a lot of hard work ahead
and we remain resolute in continuing to focus on the
same traits and traditions that have been the backbone
of our business for 100 years – discipline and focus, deep
and hands-on relationships, creation and customization.
While the marketplace may not be predictable, we believe
that we will remain well-positioned, stable and well capitalized to achieve our goal to be Chicago’s premier bank
of choice. By using our goals, values, purpose and mission as our guides, it will clearly show that “MB means
business.”
MB: A traditional bank… in modern times
In 1911, a group of prominent Chicago leaders, many sharing
an entrepreneurial spirit, saw the need for a local bank that
served the financial needs of the business owners who were
rolling up their sleeves to build this city – and its industries.
A lease was later signed to open a bank in a new building
on the corners of Halsted and Madison Streets.
One hundred years later, MB remains a cornerstone at Halsted
and Madison Streets. That presence represents our commitment to the can-do attitude rooted in 1911 that continues
today – to provide a financial partnership to middle-market
business owners in the Chicago metropolitan area to help
them successfully build their businesses. We are proud of
our deep experience in traditional banking – a spirit of
collaboration, local focus and best-of-class client attention
– yet inspired by the ever-evolving technologies, products
and services that meet the spectrum of the financial needs
of today’s business.
5
A rock-solid foundation… of stability and experience
Our presence at the corners of Halsted and Madison Streets is a reflection of MB’s strength,
stability and commitment built on 100 years of local financial services experience. Our safe
and sound banking practices have been fundamental to our long history – and our ability to
adapt to the business cycles of the past and present. We remain well-positioned to navigate
the realities of today’s environment and respectful of the trust of our clients.
6
Photo: MB’s first location at 801 W. Madison St.
Photo: 800 W. Madison St. today.
7
An entrepreneur… understands an entrepreneur
This city was built by entrepreneurs and that same spirit continues to jump start Chicago area
business owners of today. Our bankers, who average 20 years of experience, are inspired by
that same energy. They act as the financial expert on each client’s team, listen to what’s needed,
advocate for them within the bank, and craft smart solutions that meet their needs and
preferences.
8
9
A hometown commitment... with a big picture view
We have a proud tradition of providing relationship-driven financial solutions to middle-market
businesses, organizations and institutions throughout the Chicago area. MB is one of very few
banks with a hometown understanding of local businesses, industries and communities and the
global view needed as many of today’s businesses cross state lines, borders, and oceans. We
have the products and services to meet local, national and international business needs.
10
Photo: Looking east down Madison St. circa 1930s. The bank is the building on the right.
Photo: Looking east down Madison St. in 2010.
11
Face to face... and interface
Traditional banking was born out of relationships. Face to face. Handshake to handshake. Our
clients continue to have the option to connect one-on-one with their banker – or leverage an
infrastructure that provides them the ability to gain information and transact business from
around the corner or around the world. Online banking, the Telephone Banking Center, our
Phone Access Line (PAL) and our ATM network: We offer convenient points of connection
when, where and how our clients prefer.
12
Photo: Transaction window from 801 W. Madison St.
Photo: MB’s mobile website.
13
No matter the era… community matters
We’re a partner committed to making a difference – to our clients’ businesses and the communities
we serve. That’s why you’ll see us on site with our clients, as sponsors at community events,
rolling up our sleeves at neighborhood programs – we’re hands-on when it comes to building
community. We invest, support and nurture great communities, great community organizations
and great community efforts.
14
Photo: MB Financial Bank Bike the Drive in 2010.
15
MB Financial, Inc. and Subsidiaries Consolidated Balance Sheets
(Amounts in thousands, except common share data)
MB Financial, Inc. and Subsidiaries Consolidated Statements of Income
(Amounts in thousands)
Years Ended December 31
2010
2009
Years Ended December 31
2010
2009
Assets
Interest income:
Cash and due from banks
$
106,726 $ 136,763
Loans
$
364,484 $
331,270 $
Interest bearing deposits with banks
737,433 265,257
Investment securities available for sale:
Total cash and cash equivalents
844,159 402,020
Taxable
50,541 45,777 Investment securities:
Nontaxable
13,585 14,754 Securities available for sale, at fair value
1,597,743 2,843,233
Federal funds sold
2 - Non-marketable securities - FHLB and FRB stock
80,186 70,361
Other interest bearing accounts
1,028 1,737 Total investment securities
1,677,929 2,913,594
Total interest income
429,640 393,538 Loans:
Interest expense:
Total loans, excluding covered loans
5,805,481 6,350,951
Deposits
75,850 121,614 Covered loans
812,330 173,596
Short-term
borrowings
1,145
5,166 Total loans
6,617,811 6,524,547
Long-term borrowings and junior subordinated notes
12,873 16,206 Less: Allowance for loan loss
192,217 177,072
Total interest expense
89,868 142,986 Net loans
6,425,594 6,347,475
Net interest income
339,772 250,552 Lease investment, net
126,906 144,966
Provision for loan losses 246,200 231,800 Premises and equipment, net
210,886 179,641
Net interest income after provision for loan losses
93,572 18,752 Cash surrender value of life insurance
125,046 121,946
Other income:
Goodwill, net
387,069 387,069
Other intangibles, net
35,159 37,708
Loan service fees 6,517 6,913 Other real estate owned, net
71,476 36,711
Deposit service fees 38,934 30,600 Other real estate owned related to FDIC transactions
44,745 18,759
Lease financing, net 21,853 18,528 FDIC indemnification asset
215,460 42,212
Brokerage fees
5,012 4,606 Other assets
155,935 233,292
Asset management and trust fees
15,037 12,593 Total assets
$ 10,320,364 $10,865,393
Net gain on sale of securities available for sale
18,648 14,029 Increase in cash surrender value of life insurance
3,516 2,459 Liabilities and Stockholders’ Equity
Net gain (loss) on sale of assets
630 (13)
Liabilities Acquisition related gains
62,649 28,547 Deposits:
Accretion of indemnification asset
9,678 - Noninterest bearing
$
1,691,599 $ 1,552,185
Other operating income
3,282 8,892 Interest bearing
6,461,359 7,131,091
Total other income
185,756 127,154 Total deposits
8,152,958 8,683,276
Other expenses:
Short-term borrowings
268,844 323,917
Salaries and employee benefits 144,349 120,654 Long-term borrowings
285,073 331,349
Occupancy and equipment expense
34,845 31,521 Junior subordinated notes issued to capital trusts
158,571 158,677
Computer services expense
10,949 10,011 Accrued expenses and other liabilities
110,132 116,994
Advertising and marketing expense
6,465 4,185 Total liabilities
8,975,578 9,614,213
Professional and legal expense
5,803 4,680 Stockholders’ Equity
Brokerage fee expense
1,926 1,999 Preferred stock, ($0.01 par value, authorized 1,000,000 shares at December 31, 2010 and
Telecommunication expense
3,666 3,433 December 31, 2009; series A, 5% cumulative perpetual, 196,000 shares issued and outstanding at
Other intangibles amortization expense
6,214 4,491 December 31, 2010 and December 31, 2009, $1,000 liquidation value)
194,104 193,522
FDIC insurance premiums
15,600 16,762 Common stock, ($0.01 par value; authorized 70,000,000 shares at December 31, 2010
Impairment charges
- 4,000 and December 31, 2009; issued 54,576,043 shares at December 31, 2010 Other real estate expense, net
2,694 871 and 51,109,944 at December 31, 2009)
546 511
Other operating expenses
26,265 21,143 Additional paid-in capital
725,400 656,595
Total other expenses
258,776 223,750 Retained earnings
402,810 395,170
Income (loss) before income taxes and discontinued operations
20,552 (77,844)
Accumulated other comprehensive income
22,233 5,546
Income taxes 24 (45,265)
Less: 145,449 and 133,903 shares of Treasury stock, at cost, at
Income
(loss)
from
continuing
operations
20,528
(32,579)
December 31, 2010 and December 31, 2009, respectively
(2,828)
(2,715)
Income from discontinued operations, net of tax
- 6,453 Controlling interest stockholders’ equity
1,342,265 1,248,629
Net
income
(loss)
$
20,528
$
(26,126)
$
Noncontrolling interest
2,521 2,551
Dividends
and
discount
accretion
on
preferred
shares
10,382
10,298
Total stockholders’ equity
1,344,786 1,251,180
Net income (loss) available to common stockholders
$
10,146 $
(36,424)
$
Total liabilities and stockholders’ equity
$ 10,320,364 $10,865,393
16 MB Financial, Inc. 2010 Summary Annual Report
2008
357,075
40,468
15,502
276
467
413,788
151,370
17,590
23,940
192,900
220,888
125,721
95,167
9,180
28,225
16,973
4,317
11,869
1,130
5,299
(1,104)
4,504
80,393
108,835
28,872
7,392
5,089
3,110
1,929
2,818
3,554
1,877
388
19,526
183,390
(7,830)
(23,555)
15,725
439
16,164
789
15,375
17
Services
Directors and Executive Officers
MB offers a full suite of products and services
to help businesses and individuals realize their
financial success.
MB Financial, Inc.
Board of Directors
Thomas H. Harvey, Chairman of the Board; and
Chief Executive Officer, ClimateWorks Foundation
David P. Bolger, Former Chief Operating Officer, Chicago 2016
Robert S. Engelman, Jr., Private Investor
Mitchell Feiger, President and Chief Executive Officer
Charles J. Gries, Partner, Charles J. Gries & Co., LLP, CPA
James N. Hallene, Vice Chairman; and
Principal, Capital Concepts, LLC
Patrick Henry, Chairman of the Board, Verado Energy, Inc.
Richard J. Holmstrom, Partner, Menlo Equities, LLC
Karen J. May, Executive Vice President,
Global Human Resources, Kraft Foods, Inc.
Ronald D. Santo, Chairman of the Board, MB Financial Bank
MB Financial Bank
Board of Directors
Ronald D. Santo, Chairman of the Board
Rosemarie Bouman, Executive Vice President, Administration
Mitchell Feiger, President
Burton J. Field, President, Lease Banking
Lawrence E. Gilford, Retired MB Financial, Inc. Director
Richard I. Gilford, Retired MB Financial, Inc. Director
Mark A. Heckler, Executive Vice President,
Credit Management
Joel H. Jastromb, Chairman, Cedar Hill Associates
Larry J. Kallembach, Executive Vice President and
Chief Information Officer
Julian Kulas, Attorney
James Mann, Senior Vice President
Edward F. Milefchik, Executive Vice President,
Commercial Banking
18 MB Financial, Inc. 2010 Summary Annual Report
Paul Nadzikewycz, Real Estate Investor
Susan G. Peterson, Executive Vice President and
Chief Retail Banking Officer
Nancy L. Philip, President, P.S. Advertising, Inc.
Hipolito (Paul) Roldan, Chief Executive Officer,
Hispanic Housing Development Corporation
Jason B. Selch, Private Investor
Brian J. Wildman, Executive Vice President,
Wealth Management
Jill E. York, Executive Vice President and
Chief Financial Officer
Executive Officers
Mitchell Feiger, President and
Chief Executive Officer, MB Financial, Inc.;
President, MB Financial Bank
Rosemarie Bouman, Vice President, MB Financial, Inc.;
Executive Vice President, Administration, MB Financial Bank
Burton J. Field, Vice President, MB Financial, Inc.;
President, Lease Banking, MB Financial Bank
Mark A. Heckler, Executive Vice President,
Credit Management
Larry J. Kallembach, Executive Vice President and
Chief Information Officer, MB Financial Bank
Edward F. Milefchik, Executive Vice President,
Commercial Banking
Susan G. Peterson, Executive Vice President and
Chief Retail Banking Officer, MB Financial Bank
Brian J. Wildman, Executive Vice President,
Wealth Management, MB Financial Bank
Jill E. York, Vice President and Chief Financial Officer,
MB Financial, Inc.; Executive Vice President and
Chief Financial Officer, MB Financial Bank
Commercial Banking
Working Capital Lines of Credit
Real Estate Financing
Equipment Loans
Business Acquisition Loans
Full Leasing Company Product Line
Health Care Financing
Commercial Project Financing
Letters of Credit
Industrial Revenue and
Development Bond Financing
Bridge Loans
Asset-Based Lending
Paying Agent Service
Employee Banking
Treasury Management Solutions
Online Banking
Comprehensive Balance and
Transaction Reporting
ACH Origination
Controlled Disbursement
Currency Vault
Funds Transfer
Lockbox – Wholesale and Retail
Positive Pay – ACH and Check
Account Reconcilement
Remote Deposit Capture
Automated Sweeps
Business Credit Card
Merchant Card Processing
Personal Banking
Checking Accounts
Savings Accounts
Money Market Accounts
CDs/IRAs
Health Savings Accounts
CDARS
Mortgages
Home Equity Loans
Home Equity Lines of Credit
Consumer Loans
Internet Banking
Investment Services **
Personal Credit Card
MB Identity Assure
MB My Bank…My Rewards
Correspondent Banking
Currency Exchange Banking
Institutional Banking
International Banking
Business Banking
Wealth Management
Private Banking
Personal Trust Services
Estate Settlement Services
Special Needs Trust Services
Guardianships
Investment Management
Retirement Plan Services
Public Pensions
Financial Planning Services
Custody
Tax-Deferred Exchanges*
* Provided through MB Financial Deferred Exchange Corporation.
** Offered through Vision Investment Services, Inc., a registered broker/dealer, member
FINRA/SIPC. A wholly-owned subsidiary of MB Financial Bank. N.A. The products offered are not insured by FDIC or any other government agency, not a bank deposit, no bank
guarantee, may lose value.
Member FDIC
19
Locations
Corporate Office
800 W. Madison Street
Chicago, Illinois 60607
820 N. Western Ave.
936 N. Western Ave.
4800 N. Western Ave.
MB Financial Center
6111 N. River Road
Rosemont, Illinois 60018
Countryside 600 W. Plainfield Rd.
Illinois
Dolton
14121 Chicago Rd.
550 E. Sibley Blvd.
Addison 777 W. Army Trail Blvd.
Aurora
1 N. Constitution Dr.
2992 Indian Trail Rd.
Bensenville 1050 Busse Hwy.
Bolingbrook 455 S. Weber Rd.
Broadview 1500 Roosevelt Rd.
Burbank 5750 W. 87th St.
Burr Ridge
7000 County Line Rd.
8300 S. Madison St.
Calumet City
925 Burnham Ave.
Chicago (alphabetical by street name)
6422 W. Archer Ave.
8300 W. Belmont Ave.
5960 N. Broadway St.
3046 N. Central Ave.
3179 N. Clark St.
3940 N. Damen Ave.
5100 S. Damen Ave.
1624 W. Division St.
1618 W. 18th St.
2401 N. Halsted St.
33 W. Huron St.
2 S. LaSalle St.
3959 N. Lincoln Ave.
800 W. Madison St.
1420 W. Madison St.
2973 N. Milwaukee Ave.
5670 N. Milwaukee Ave.
3030 E. 92nd St.
1554 W. North Ave.
363 W. Ontario St.
10 S. Riverside Plaza
3604 N. Southport Ave.
557 S. State St.
One E. Wacker Dr.
One S. Wacker Dr.
303 E. Wacker Dr.
Crete 1100 E. Exchange Ave. (Walt’s)
Darien 2401 75th St.
Orland Hills 9101 W. 159th St.
Palatine 2251 Plum Grove Rd.
Park Ridge 1014 Busse Hwy.
River Forest 7727 W. Lake St.
Rosemont 6111 N. River Rd.
Schaumburg 200 W. Higgins Rd.
Seneca 395 S. Main St.
Elmhurst 990 N. York Rd.
South Holland
475 E. 162nd St.
16145 S. State St. (Walt’s)
Frankfort 20825 S. LaGrange Rd. (Walt’s)
St. Charles 2607 Lincoln Hwy. (Rte. 38)
Glencoe 356 Park Ave.
Tinley Park
16039 S. Harlem Ave. (Walt’s)
16700 S. Harlem Ave.
18299 S. Harlem Ave.
Glenview
2823 Pfingsten Rd.
2200 N. Waukegan Rd.
Glenwood 18301 S. Halsted St.
Highland Park 581 Elm Pl.
Homer Glen 13900 S. Bell Rd.
Homewood 2345 W. 183rd St. (Walt’s)
LaGrange Park 401 N. LaGrange Rd.
Vernon Hills 1620 N. Milwaukee Ave.
Warrenville 28W571 Batavia Rd.
Wheaton 212 S. West St.
Wheeling 125 McHenry Rd.
Also located in
Lemont 1151 State St.
Dyer, IN 1218 Sheffield Ave. (Walt’s)
Philadelphia, PA 7918 Bustleton Ave.
Lincolnwood
6401 N. Lincoln Ave.
4010 W. Touhy Ave.
Subsidiaries
Lisle 6444 S. College Rd.
Lombard 1145 S. Main St.
Morton Grove
6201 Dempster St.
9147 Waukegan Rd.
Mount Prospect 15 E. Prospect Ave.
Naperville 380 W. Diehl Rd.
Niles
9190 W. Golf Rd.
7557 W. Oakton St.
Northbrook 1161 Church St.
North Riverside 7222 W. Cermak Rd.
Oak Brook
1400 Sixteenth St.
3824 York Rd.
Oak Forest 15533 S. Cicero Ave.
Oak Lawn 9701 S. Cicero Ave.
20 MB Financial, Inc. 2010 Summary Annual Report
MB Financial Community
Development Corporation
800 W. Madison
Chicago, Illinois 60607
847.653.1996
Cedar Hill Associates, Inc.
www.cedhill.com
120 S. LaSalle Street
Suite 1750
Chicago, Illinois 60603
312.445.2900
LaSalle Solutions
www.elasalle.com
6111 N. River Road
Rosemont, Illinois 60018
847.823.9600
Vision Investment Services, Inc.
www.investwithvision.com
6111 N. River Road
Rosemont, Illinois 60018
847.653.0400
Our fundamental values of integrity, high performance,
customer focus, mutual respect, open communication
and enthusiasm make MB a great place to bank
and to work.
1.888.i bank mb (1.888.422.6562)
www.mbfinancial.com
MB Financial, Inc. 800 W. Madison Street, Chicago, Illinois 60607