FDIC Certificate #: 20914 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Bank of Homewood, National Association (#16460) Federal Reserve ID: 883230 Date Established: January 02, 1973 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 14445 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes Oakar Institutions: Yes State Chartered: Yes Date of Deposit Insurance: January 02, 1973 Last Structure Change Effective Date: August 22, 1999 Last Structure Change Process Date: September 16, 1999 Last Data Update: September 16, 1999 Data Source Date: April 05, 2012
Location
Address: 4600 West Lincoln Highway, Matteson, IL 60443 County: Cook 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)
Financial Summary
Total assets: $39.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
12Total employees (full-time equivalent)
$42,781Total assets
$1,049Cash and due from depository institutions
$0Interest-bearing balances
$15,924Securities
$1,200Federal funds sold & reverse repurchase agreements
$21,035Net loans & leases
$343Loan loss allowance
$0Trading account assets
$1,834Bank premises and fixed assets
$0Other real estate owned
$1,286Goodwill and other intangibles
$0Life insurance assets
$453All other assets
$42,781Total liabilities and capital
$37,005Total liabilities
$36,698Total deposits
$30,633Interest-bearing deposits
$36,698Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$307All other liabilities
$5,776Total equity capital
$5,776Total bank equity capital
$5,776Perpetual preferred stock
$0Common stock
$1,190Surplus
$4,310Undivided profits
Memoranda
$276Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$951Earning assets
$0Long-term assets (5+ years)
$117Average Assets, year-to-date
$38,159Average Assets, quarterly
$3,638Volatile liabilities
$46,072Insider loans
$44,778FHLB advances
$3,403Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,711Total unused commitments
$0Restructured Loans and leases
$26,421Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$3,089Total interest income
$1,628Total interest expense
$1,461Net interest income
$110Provision for loan and lease losses
$292Total noninterest income
$0Fiduciary activities
$254Service charges on deposit accounts
$0Trading account gains & fees
$38Additional noninterest income
$1,584Total noninterest expense
$330Salaries and employee benefits
$204Premises and equipment expense
$1,050Additional noninterest expense
$59Pre-tax net operating income
$18Securities gains (losses)
$26Applicable income taxes
$51Income before extraordinary items
$0Extraordinary gains - net
$51Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$11Sale, conversion, retirement of capital stock, net
$500Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.50%Yield on earning assets
3.95%Cost of funding earning assets
3.55%Net interest margin
0.71%Noninterest income to earning assets
3.84%Noninterest expense to earning assets
0.08%Net operating income to assets
0.11%Return on assets (ROA)
0.17%Pretax return on assets
0.87%Return on equity (ROE)
-7.66%Retained earnings to average equity (YTD only)
-0.05%Net charge-offs to loans
-1000.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
78,323Assets per employee
3.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
980.39%Loss allowance to loans
1.60%Loss allowance to noncurrent loans
36.07%Noncurrent assets plus other real estate owned to assets
2.22%Noncurrent loans to loans
4.45%Net loans and leases to deposits
57.32%Net loans and leases to core deposits
63.18%Equity capital to assets
13.50%Core capital (leverage) ratio
10.51%Tier 1 risk-based capital ratio
16.85%Total risk-based capital ratio
Memoranda
$18Average assets
$46,072Average earning assets
$5,864Average equity
$41,212Average loans
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