ELMHURST FEDERAL SAVINGS BANK in Elmhurst, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 24, 1993

  • ELMHURST FEDERAL SAVINGS BANK in Elmhurst, Illinois (IL)
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ELMHURST FEDERAL SAVINGS BANK - Overview

  • General
  • FDIC Certificate #: 30725
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: St Paul Federal Bank for Savings (#27661)
    Federal Reserve ID: 613277
    Date Established: July 09, 1954
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 5804
    FDIC's unique #: 43559
    Numeric code: 33
    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 09, 1954
    Last Structure Change Effective Date: Febuary 24, 1993
    Last Structure Change Process Date: April 28, 1993
    Last Data Update: June 14, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Addison Street, Elmhurst, IL 60126
    County: Dupage
    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)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $378.7 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $110Total assets
  • $378,705Cash and due from depository institutions
  • $8,047Interest-bearing balances
  • $2,534Securities
  • $127,884Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $223,760Loan loss allowance
  • $634Trading account assets
  • $0Bank premises and fixed assets
  • $6,341Other real estate owned
  • $1,423Goodwill and other intangibles
  • $11,250Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $378,705Total liabilities
  • $330,500Total deposits
  • $326,892Interest-bearing deposits
  • $323,530Deposits held in domestic offices
  • 326892.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $3,608Total equity capital
  • $3,608Total bank equity capital
  • $48,205Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $21,215Undivided profits
  • Memoranda
  • $26,989Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,323Income earned, not collected on loans
  • $1,380Earning assets
  • $354,178Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $378,122Average Assets, quarterly
  • $377,343Volatile liabilities
  • $22,879Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,827Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $46,201Total risk weighted assets
  • $237,825Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $30,398Total interest expense
  • $16,542Net interest income
  • $13,856Provision for loan and lease losses
  • $240Total noninterest income
  • $1,597Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $98Additional noninterest income
  • $1,499Total noninterest expense
  • $7,616Salaries and employee benefits
  • $4,081Premises and equipment expense
  • $1,516Additional noninterest expense
  • $2,019Pre-tax net operating income
  • $7,597Securities gains (losses)
  • -$455Applicable income taxes
  • $2,549Income before extraordinary items
  • $4,593Extraordinary gains - net
  • $0Net income attributable to bank
  • $4,593Net charge-offs
  • $0Cash dividends
  • $3,000Sale, conversion, retirement of capital stock, net
  • $220Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.56%Cost of funding earning assets
  • 4.66%Net interest margin
  • 3.90%Noninterest income to earning assets
  • 0.45%Noninterest expense to earning assets
  • 2.14%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 1.89%Return on equity (ROE)
  • 9.68%Retained earnings to average equity (YTD only)
  • 3.36%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 49,285Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.32%Loss allowance to loans
  • 0.28%Loss allowance to noncurrent loans
  • 27.29%Noncurrent assets plus other real estate owned to assets
  • 0.69%Noncurrent loans to loans
  • 1.04%Net loans and leases to deposits
  • 68.45%Net loans and leases to core deposits
  • 73.60%Equity capital to assets
  • 12.73%Core capital (leverage) ratio
  • 12.23%Tier 1 risk-based capital ratio
  • 19.43%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $378,122Average earning assets
  • $47,459Average equity
  • $355,087Average loans

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