Bell Federal Savings and Loan Association in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 07, 1996

  • Bell Federal Savings and Loan Association in Chicago, Illinois (IL)
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Bell Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 27659
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Standard Federal Bank (#27714)
    Federal Reserve ID: 190077
    Date Established: January 01, 1925
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 67
    FDIC's unique #: 40493
    Numeric code: 38
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: May 02, 1938
    Last Structure Change Effective Date: June 07, 1996
    Last Structure Change Process Date: July 24, 1996
    Last Data Update: July 24, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 79 West Monroe St, Chicago, IL 60603
    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: $1,889.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $343Total assets
  • $1,904,533Cash and due from depository institutions
  • $50,974Interest-bearing balances
  • $32,375Securities
  • $470,433Federal funds sold & reverse repurchase agreements
  • $300Net loans & leases
  • $1,343,826Loan loss allowance
  • $7,021Trading account assets
  • $0Bank premises and fixed assets
  • $5,436Other real estate owned
  • $4,863Goodwill and other intangibles
  • $28,701Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $1,904,533Total liabilities
  • $1,671,097Total deposits
  • $1,607,209Interest-bearing deposits
  • $1,597,514Deposits held in domestic offices
  • 1607209.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $55,893Subordinated debt
  • $0All other liabilities
  • $7,995Total equity capital
  • $7,995Total bank equity capital
  • $233,436Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $77,714Undivided profits
  • Memoranda
  • $155,721Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18,420Income earned, not collected on loans
  • $8,551Earning assets
  • $1,846,934Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $1,867,488Average Assets, quarterly
  • $1,892,114Volatile liabilities
  • $257,355Insider loans
  • $617FHLB advances
  • $10,000Loans and leases held for sale
  • $0Unused loan commitments
  • $70,261Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $233,436Total risk weighted assets
  • $857,319Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $127,423Total interest expense
  • $77,836Net interest income
  • $49,587Provision for loan and lease losses
  • $3,398Total noninterest income
  • $2,569Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $2,569Total noninterest expense
  • $32,276Salaries and employee benefits
  • $19,436Premises and equipment expense
  • $3,678Additional noninterest expense
  • $9,162Pre-tax net operating income
  • $16,482Securities gains (losses)
  • $226Applicable income taxes
  • $6,308Income before extraordinary items
  • $10,400Extraordinary gains - net
  • $0Net income attributable to bank
  • $10,400Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.02%Cost of funding earning assets
  • 4.29%Net interest margin
  • 2.73%Noninterest income to earning assets
  • 0.14%Noninterest expense to earning assets
  • 1.78%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.56%Pretax return on assets
  • 0.89%Return on equity (ROE)
  • 4.58%Retained earnings to average equity (YTD only)
  • 4.58%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 61,884Assets per employee
  • 5.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.52%Loss allowance to noncurrent loans
  • 38.12%Noncurrent assets plus other real estate owned to assets
  • 1.22%Noncurrent loans to loans
  • 1.36%Net loans and leases to deposits
  • 83.61%Net loans and leases to core deposits
  • 95.60%Equity capital to assets
  • 12.26%Core capital (leverage) ratio
  • 12.26%Tier 1 risk-based capital ratio
  • 27.23%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $1,867,488Average earning assets
  • $227,079Average equity
  • $1,815,737Average loans

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