First Chicago Bank of St. Charles, National Association in St. Charles, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 22, 1993

  • First Chicago Bank of St. Charles, National Association in St. Charles, Illinois (IL)
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First Chicago Bank of St. Charles, National Association - Overview

  • General
  • FDIC Certificate #: 22337
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#3618)
    Federal Reserve ID: 696346
    Date Established: September 29, 1976
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 15546
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: September 29, 1976
    Last Structure Change Effective Date: May 22, 1993
    Last Structure Change Process Date: July 27, 1993
    Last Data Update: July 27, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 520 Dunham Road, St. Charles, IL 60174
    County: Kane
    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: $130.4 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $86Total assets
  • $140,324Cash and due from depository institutions
  • $6,863Interest-bearing balances
  • $0Securities
  • $687Federal funds sold & reverse repurchase agreements
  • $28,080Net loans & leases
  • $100,200Loan loss allowance
  • $1,185Trading account assets
  • $0Bank premises and fixed assets
  • $3,185Other real estate owned
  • $0Goodwill and other intangibles
  • $1,309Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $140,324Total liabilities
  • $130,138Total deposits
  • $129,601Interest-bearing deposits
  • $98,224Deposits held in domestic offices
  • 129601.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $537Total equity capital
  • $537Total bank equity capital
  • $10,186Perpetual preferred stock
  • $0Common stock
  • $480Surplus
  • $5,520Undivided profits
  • Memoranda
  • $4,186Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,020Income earned, not collected on loans
  • $592Earning assets
  • $128,967Long-term assets (5+ years)
  • $7,439Average Assets, year-to-date
  • $138,836Average Assets, quarterly
  • $137,054Volatile liabilities
  • $6,240Insider loans
  • $20FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $41,141Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $10,186Total risk weighted assets
  • $105,331Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,581Total interest expense
  • $3,829Net interest income
  • $7,752Provision for loan and lease losses
  • $485Total noninterest income
  • $1,521Fiduciary activities
  • $14Service charges on deposit accounts
  • $1,011Trading account gains & fees
  • $0Additional noninterest income
  • $496Total noninterest expense
  • $5,898Salaries and employee benefits
  • $2,337Premises and equipment expense
  • $627Additional noninterest expense
  • $2,934Pre-tax net operating income
  • $2,890Securities gains (losses)
  • $0Applicable income taxes
  • $1,067Income before extraordinary items
  • $1,823Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,823Net charge-offs
  • $272Cash dividends
  • $100Sale, 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
  • 8.86%Cost of funding earning assets
  • 2.93%Net interest margin
  • 5.93%Noninterest income to earning assets
  • 1.16%Noninterest expense to earning assets
  • 4.51%Net operating income to assets
  • 1.31%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 2.08%Return on equity (ROE)
  • 19.67%Retained earnings to average equity (YTD only)
  • 18.59%Net charge-offs to loans
  • 0.23%Credit loss provision to net charge-offs
  • 178.31%Efficiency ratio
  • 63,604Assets per employee
  • 1.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 5.49%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 116.18%Noncurrent assets plus other real estate owned to assets
  • 0.73%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 77.31%Net loans and leases to core deposits
  • 81.23%Equity capital to assets
  • 7.26%Core capital (leverage) ratio
  • 7.56%Tier 1 risk-based capital ratio
  • 9.67%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $138,836Average earning assets
  • $9,266Average equity
  • $130,746Average loans

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