Calumet Federal Savings and Loan Association in Hammond, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 31, 1993

  • Calumet Federal Savings and Loan Association in Hammond, Indiana (IN)
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Calumet Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 29393
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Security Federal Bank & Trust (#29580)
    Federal Reserve ID: 491372
    Date Established: April 01, 1935
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3382
    FDIC's unique #: 42227
    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: July 17, 1935
    Last Structure Change Effective Date: January 31, 1993
    Last Structure Change Process Date: March 24, 1993
    Last Data Update: March 24, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 7007 Calumet Avenue, Hammond, IN 46324
    County: Lake
    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): Gary, IN (#2960)
    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: Gary, IN (#23844)
  • Financial Summary
  • Total assets: $45.5 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $16Total assets
  • $45,494Cash and due from depository institutions
  • $14,428Interest-bearing balances
  • $13,410Securities
  • $2,659Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $27,695Loan loss allowance
  • $214Trading account assets
  • $0Bank premises and fixed assets
  • $178Other real estate owned
  • $95Goodwill and other intangibles
  • $439Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $45,494Total liabilities
  • $42,154Total deposits
  • $41,795Interest-bearing deposits
  • $41,522Deposits held in domestic offices
  • 41795.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $359Total equity capital
  • $359Total bank equity capital
  • $3,340Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $3,340Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $656Income earned, not collected on loans
  • $6Earning assets
  • $43,764Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $45,459Average Assets, quarterly
  • $45,395Volatile liabilities
  • $2,346Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $44Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,340Total risk weighted assets
  • $18,752Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,450Total interest expense
  • $2,064Net interest income
  • $1,386Provision for loan and lease losses
  • $82Total noninterest income
  • $77Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $77Total noninterest expense
  • $876Salaries and employee benefits
  • $389Premises and equipment expense
  • $200Additional noninterest expense
  • $287Pre-tax net operating income
  • $505Securities gains (losses)
  • $0Applicable income taxes
  • $210Income before extraordinary items
  • $295Extraordinary gains - net
  • $0Net income attributable to bank
  • $295Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.86%Cost of funding earning assets
  • 4.70%Net interest margin
  • 3.16%Noninterest income to earning assets
  • 0.18%Noninterest expense to earning assets
  • 2.00%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 0.65%Pretax return on assets
  • 1.11%Return on equity (ROE)
  • 9.21%Retained earnings to average equity (YTD only)
  • 9.21%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 59,877Assets per employee
  • 2.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.77%Loss allowance to noncurrent loans
  • 32.62%Noncurrent assets plus other real estate owned to assets
  • 1.65%Noncurrent loans to loans
  • 2.35%Net loans and leases to deposits
  • 66.26%Net loans and leases to core deposits
  • 70.20%Equity capital to assets
  • 7.34%Core capital (leverage) ratio
  • 7.34%Tier 1 risk-based capital ratio
  • 17.81%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $45,459Average earning assets
  • $3,203Average equity
  • $43,884Average loans

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