Household Bank, FSB in Wood Dale, Illinois (IL)

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Household Bank, FSB
GeneralFDIC Certificate #: 30971
Status: Inactive
Federal Reserve ID: 781279
Date Established: November 29, 1957
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
OTS Docket #: 6194
FDIC's unique #: 43805
Numeric code: 33
Regulator: OTS
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
FDIC Insured: Yes
SAIF Insured: Yes
Insured Savings Institution: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: November 29, 1957
Last Structure Change Effective Date: January 30, 2003
Last Structure Change Process Date: March 03, 2003
Last Data Update: March 03, 2003
Data Source Date: April 05, 2012
LocationAddress: 700 Wood Dale Road, Wood Dale, IL 60191
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 ChangesOther Liquidations and Closings
Change in Insurance Status
Office Sold
Financial SummaryTotal assets: $131.7 mil

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

2000 - 2011 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, 2002)
(Dollar figures in thousands)
Total employees (full-time equivalent)27
Total assets$131,655
Cash and due from depository institutions$66,655
Interest-bearing balances$175
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$40,862
Loan loss allowance $389
Trading account assets$0
Bank premises and fixed assets$373
Other real estate owned$152
Goodwill and other intangibles$0
All other assets$18,652
Life insurance assets$0
Total liabilities and capital$131,655
Total liabilities$81,227
Total deposits$60,839
Interest-bearing deposits$58,621
Deposits held in domestic offices$60,839
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $18,793
Subordinated debt $0
All other liabilities $1,595
Total equity capital$50,428
Total bank equity capital$50,428
Perpetual preferred stock$50,428
Common stock$0
Undivided profits $0
Noncurrent loans and leases $49,017
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $1,024
Income earned, not collected on loans $0
Earning assets $739
Long-term assets (5+ years) $0
Average Assets, year-to-date $370
Average Assets, quarterly $45,998
Volatile liabilities $0
Insider loans $8,202,922
FHLB advances $3,835,889
Loans and leases held for sale $31,186
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $1,024
Restructured Loans and leases $152
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Income and Expense (December 31, 2002)
(Dollar figures in thousands)
Total interest income $756,855
Total interest expense $410,511
Net interest income $346,344
Provision for loan and lease losses $103,120
Total noninterest income -$189,735
Fiduciary activities $0
Service charges on deposit accounts $0
Trading account gains & fees $0
Additional noninterest income -$189,735
Total noninterest expense $286,738
Salaries and employee benefits $7,126
Premises and equipment expense $1,280
Additional noninterest expense $278,332
Pre-tax net operating income -$233,249
Securities gains (losses) $243,521
Applicable income taxes $5,967
Income before extraordinary items $4,305
Extraordinary gains - net $0
Net income attributable to bank $4,305
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $221,633
Net operating income $0
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Performance and Condition Ratios (December 31, 2002)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets10.13%
Cost of funding earning assets 5.49%
Net interest margin 4.63%
Noninterest income to earning assets -2.54%
Noninterest expense to earning assets 3.84%
Net operating income to assets -1.85%
Return on assets (ROA) 0.05%
Pretax return on assets 0.13%
Return on equity (ROE) 0.26%
Retained earnings to average equity (YTD only) 0.26%
Net charge-offs to loans 3.15%
Credit loss provision to net charge-offs 46.53%
Efficiency ratio-0.59%
Assets per employee$183,092
Cash dividends to net income (YTD only)4.88%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 0.94%
Noncurrent assets plus other real estate owned to assets 52.64%
Noncurrent loans to loans 0.68%
Net loans and leases to deposits1.79%
Net loans and leases to core deposits 67.16%
Equity capital to assets 84.35%
Core capital (leverage) ratio 38.30%
Tier 1 risk-based capital ratio 38.30%
Total risk-based capital ratio 83.30%
Average assets$84
Average earning assets$8,202,922
Average equity $1,628,134
Average loans $7,473,823
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