Gary-Wheaton Bank of Fox Valley, National Association in Romeoville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 17, 1993

  • Gary-Wheaton Bank of Fox Valley, National Association in Romeoville, Illinois (IL)
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Gary-Wheaton Bank of Fox Valley, National Association - Overview

  • General
  • FDIC Certificate #: 22351
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#3618)
    Federal Reserve ID: 673833
    Date Established: October 21, 1976
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 15559
    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: October 21, 1976
    Last Structure Change Effective Date: April 17, 1993
    Last Structure Change Process Date: May 26, 1993
    Last Data Update: May 26, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 626 Town Hall Road, Romeoville, IL 60441
    County: Will
    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: $245.6 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $121Total assets
  • $256,664Cash and due from depository institutions
  • $8,974Interest-bearing balances
  • $0Securities
  • $1,434Federal funds sold & reverse repurchase agreements
  • $114,872Net loans & leases
  • $123,456Loan loss allowance
  • $1,576Trading account assets
  • $0Bank premises and fixed assets
  • $6,474Other real estate owned
  • $0Goodwill and other intangibles
  • $1,454Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $256,664Total liabilities
  • $242,036Total deposits
  • $240,953Interest-bearing deposits
  • $174,847Deposits held in domestic offices
  • 240953.00%% insured (estimated)
  • $70Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,083Total equity capital
  • $1,083Total bank equity capital
  • $14,628Perpetual preferred stock
  • $0Common stock
  • $640Surplus
  • $7,500Undivided profits
  • Memoranda
  • $6,488Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,142Income earned, not collected on loans
  • $753Earning assets
  • $239,762Long-term assets (5+ years)
  • $11,892Average Assets, year-to-date
  • $233,623Average Assets, quarterly
  • $244,677Volatile liabilities
  • $6,156Insider loans
  • $4,025FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $52,712Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $14,628Total risk weighted assets
  • $152,236Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $17,381Total interest expense
  • $5,680Net interest income
  • $11,701Provision for loan and lease losses
  • $1,118Total noninterest income
  • $3,794Fiduciary activities
  • $0Service charges on deposit accounts
  • $2,412Trading account gains & fees
  • $0Additional noninterest income
  • $1,382Total noninterest expense
  • $10,912Salaries and employee benefits
  • $3,478Premises and equipment expense
  • $1,397Additional noninterest expense
  • $6,037Pre-tax net operating income
  • $3,465Securities gains (losses)
  • -$23Applicable income taxes
  • $1,262Income before extraordinary items
  • $2,180Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,180Net charge-offs
  • $829Cash 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
  • 7.95%Cost of funding earning assets
  • 2.60%Net interest margin
  • 5.35%Noninterest income to earning assets
  • 1.74%Noninterest expense to earning assets
  • 4.99%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 1.47%Return on equity (ROE)
  • 16.08%Retained earnings to average equity (YTD only)
  • 16.08%Net charge-offs to loans
  • 0.56%Credit loss provision to net charge-offs
  • 134.86%Efficiency ratio
  • 70,423Assets per employee
  • 2.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 50.16%Noncurrent assets plus other real estate owned to assets
  • 1.22%Noncurrent loans to loans
  • 2.51%Net loans and leases to deposits
  • 51.24%Net loans and leases to core deposits
  • 52.58%Equity capital to assets
  • 5.70%Core capital (leverage) ratio
  • 6.27%Tier 1 risk-based capital ratio
  • 9.61%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $233,623Average earning assets
  • $13,561Average equity
  • $218,673Average loans

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