Home Federal Savings and Loan Association of Elgin in Elgin, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 09, 2000

  • Home Federal Savings and Loan Association of Elgin in Elgin, Illinois (IL)
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Home Federal Savings and Loan Association of Elgin - Overview

  • General
  • FDIC Certificate #: 30252
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State Financial Bank, National Association (#3753)
    Federal Reserve ID: 258472
    Date Established: January 01, 1883
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 5053
    FDIC's unique #: 43086
    Numeric code: 37
    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 09, 1951
    Last Structure Change Effective Date: October 09, 2000
    Last Structure Change Process Date: December 07, 2000
    Last Data Update: December 07, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 16 N Spring St, Elgin, IL 60120
    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: $417.1 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 1999)

  • Dollar figures in thousands
  • 118Total employees (full-time equivalent)
  • $411,424Total assets
  • $22,958Cash and due from depository institutions
  • $6,319Interest-bearing balances
  • $14,769Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $359,585Net loans & leases
  • $1,279Loan loss allowance
  • $0Trading account assets
  • $7,609Bank premises and fixed assets
  • $204Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $6,299All other assets
  • $411,424Total liabilities and capital
  • $346,631Total liabilities
  • $280,202Total deposits
  • $271,235Interest-bearing deposits
  • $280,202Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $13,159Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $51,000Other borrowed funds
  • $0Subordinated debt
  • $2,270All other liabilities
  • $64,793Total equity capital
  • $64,793Total bank equity capital
  • $64,793Perpetual preferred stock
  • $0Common stock
  • $1Surplus
  • $35,537Undivided profits
  • Memoranda
  • $29,255Noncurrent loans and leases
  • $17,281Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $775Earning assets
  • $0Long-term assets (5+ years)
  • $1,520Average Assets, year-to-date
  • $380,673Average Assets, quarterly
  • $0Volatile liabilities
  • $398,056Insider loans
  • $401,050FHLB advances
  • $102,268Loans and leases held for sale
  • $2,325Unused loan commitments
  • $51,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $17,281Total unused commitments
  • $204Restructured Loans and leases
  • $1,279Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $27,241Total interest income
  • $13,668Total interest expense
  • $13,573Net interest income
  • $120Provision for loan and lease losses
  • $1,042Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,042Additional noninterest income
  • $9,908Total noninterest expense
  • $4,172Salaries and employee benefits
  • $2,426Premises and equipment expense
  • $3,310Additional noninterest expense
  • $4,587Pre-tax net operating income
  • $13Securities gains (losses)
  • $1,786Applicable income taxes
  • $2,814Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,814Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $736Sale, conversion, retirement of capital stock, net
  • $15,000Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.27%Yield on earning assets
  • 3.65%Cost of funding earning assets
  • 3.62%Net interest margin
  • 0.28%Noninterest income to earning assets
  • 2.65%Noninterest expense to earning assets
  • 0.70%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 1.16%Pretax return on assets
  • 4.11%Return on equity (ROE)
  • -17.80%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 16.30%Credit loss provision to net charge-offs
  • 6.40%Efficiency ratio
  • 67,793Assets per employee
  • 3.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 533.05%Loss allowance to loans
  • 0.35%Loss allowance to noncurrent loans
  • 165.03%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 128.33%Net loans and leases to core deposits
  • 148.53%Equity capital to assets
  • 15.75%Core capital (leverage) ratio
  • 15.75%Tier 1 risk-based capital ratio
  • 26.86%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $398,056Average earning assets
  • $68,479Average equity
  • $374,452Average loans

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