Hoyne Savings Bank in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Hoyne Savings Bank - Overview

  • General
  • FDIC Certificate #: 28747
    Status: Active
    Federal Reserve ID: 447070
    Date Established: January 01, 1887
    WWW: http://www.hoyne.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 2281
    FDIC's unique #: 41581
    Numeric code: 42
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: November 04, 1937
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4786 Milwaukee Avenue, Chicago, IL 60630
    County: Cook
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $296.6 mil
    Equity capital: $54.7 mil
    Deposits held in domestic offices: $240.8 mil
    Return on assets (ROA): -0.24% (-$0.7 mil)
    Quarterly return on assets: -0.53% (-$1.6 mil)
    Return on Equity (ROE): -1.29% (-$0.7 mil)
    Quarterly return on equity: -2.86% (-$1.6 mil)
    Net income: -$0.7 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: -0.40% (-$1,186.4 mil)
    Quarterly Pretax return on assets: -0.40% (-$1,186.4 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, 2011)

  • Dollar figures in thousands
  • 66Total employees (full-time equivalent)
  • $296,606Total assets
  • $31,225Cash and due from depository institutions
  • $27,115Interest-bearing balances
  • $52,712Securities
  • $15,175Federal funds sold & reverse repurchase agreements
  • $182,109Net loans & leases
  • $3,047Loan loss allowance
  • $0Trading account assets
  • $7,992Bank premises and fixed assets
  • $463Other real estate owned
  • $10Goodwill and other intangibles
  • $296,606Life insurance assets
  • $6,920All other assets
  • $241,920Total liabilities and capital
  • $240,816Total liabilities
  • $235,228Total deposits
  • $240,816Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,104Subordinated debt
  • $54,686All other liabilities
  • $54,686Total equity capital
  • $54,686Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $54,686Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,812Income earned, not collected on loans
  • $0Earning assets
  • $880Long-term assets (5+ years)
  • $277,111Average Assets, year-to-date
  • $173,774Average Assets, quarterly
  • $299,018Volatile liabilities
  • $298,088Insider loans
  • $116,407FHLB advances
  • $294,790Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $54,609Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,354Restructured Loans and leases
  • $528Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,435Total interest income
  • $1,669Total interest expense
  • $8,766Net interest income
  • $2,119Provision for loan and lease losses
  • $342Total noninterest income
  • $0Fiduciary activities
  • $36Service charges on deposit accounts
  • $0Trading account gains & fees
  • $306Additional noninterest income
  • $8,036Total noninterest expense
  • $4,553Salaries and employee benefits
  • $1,338Premises and equipment expense
  • $2,145Additional noninterest expense
  • -$1,047Pre-tax net operating income
  • $0Securities gains (losses)
  • -$478Applicable income taxes
  • -$569Income before extraordinary items
  • -$138Extraordinary gains - net
  • -$707Net income attributable to bank
  • $0Net charge-offs
  • -$707Cash dividends
  • $242Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.72%Yield on earning assets
  • 0.59%Cost of funding earning assets
  • 3.12%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.86%Noninterest expense to earning assets
  • -0.19%Net operating income to assets
  • -0.24%Return on assets (ROA)
  • -0.40%Pretax return on assets
  • -1.29%Return on equity (ROE)
  • -1.29%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 875.62%Credit loss provision to net charge-offs
  • 4.43%Efficiency ratio
  • 88,230Assets per employee
  • 4.49%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 34.58%Noncurrent assets plus other real estate owned to assets
  • 3.13%Noncurrent loans to loans
  • 4.76%Net loans and leases to deposits
  • 75.62%Net loans and leases to core deposits
  • 77.01%Equity capital to assets
  • 18.44%Core capital (leverage) ratio
  • 18.52%Tier 1 risk-based capital ratio
  • 46.91%Total risk-based capital ratio
  • Memoranda
  • $48Average assets
  • $299,018Average earning assets
  • $54,840Average equity
  • $280,794Average loans

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041581Hoyne Savings Bank4786 Milwaukee Avenue, Chicago, IL 60630January 01, 1887Full Service Brick and Mortar
    142949699 W Dundee Rd Branch699 West Dundee Road, Wheeling, IL 60090January 01, 1904Full Service Brick and Mortar
    100431427015 W Grand Ave Branch7015 West Grand Avenue, Chicago, IL 60707January 01, 1929Full Service Brick and Mortar
    101270366Main Office Drive-In Branch4729 North Milwaukee Avenue, Chicago, IL 60630May 18, 1981Limited Service Facility
    102270367400 St. Johns Road Branch400 St. Johns Road, Woodstock, IL 60098Febuary 01, 1993Full Service Brick and Mortar

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