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


Lisle Savings Bank - Overview

  • General
  • FDIC Certificate #: 29800
    Status: Active
    Federal Reserve ID: 133971
    Date Established: January 01, 1917
    WWW: http://www.lislebank.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 4107
    FDIC's unique #: 42634
    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: August 19, 1954
    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: 1450 Maple, Lisle, IL 60532
    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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $523.4 mil
    Equity capital: $90.8 mil
    Deposits held in domestic offices: $417.8 mil
    Return on assets (ROA): 0.33% ($1.7 mil)
    Quarterly return on assets: 0.57% ($3.0 mil)
    Return on Equity (ROE): 1.95% ($1.8 mil)
    Quarterly return on equity: 3.30% ($3.0 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.39% ($2,041.2 mil)
    Quarterly Pretax return on assets: 0.82% ($4,291.8 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
  • 60Total employees (full-time equivalent)
  • $523,396Total assets
  • $56,458Cash and due from depository institutions
  • $53,500Interest-bearing balances
  • $164,343Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $270,048Net loans & leases
  • $5,183Loan loss allowance
  • $0Trading account assets
  • $2,151Bank premises and fixed assets
  • $1,967Other real estate owned
  • $0Goodwill and other intangibles
  • $523,396Life insurance assets
  • $28,429All other assets
  • $432,619Total liabilities and capital
  • $417,826Total liabilities
  • $412,384Total deposits
  • $417,826Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $10,000Trading liabilities
  • $0Other borrowed funds
  • $4,793Subordinated debt
  • $90,777All other liabilities
  • $90,777Total equity capital
  • $90,777Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $90,777Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $18,428Income earned, not collected on loans
  • $0Earning assets
  • $1,157Long-term assets (5+ years)
  • $487,891Average Assets, year-to-date
  • $242,385Average Assets, quarterly
  • $519,611Volatile liabilities
  • $521,857Insider loans
  • $225,041FHLB advances
  • $518,903Loans and leases held for sale
  • $17,714Unused loan commitments
  • $15,833Tier 1 (core) risk-based capital
  • $88,862Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,881Total unused commitments
  • $7,292Restructured Loans and leases
  • $630Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,870Total interest income
  • $4,025Total interest expense
  • $14,845Net interest income
  • $4,277Provision for loan and lease losses
  • -$601Total noninterest income
  • $0Fiduciary activities
  • $134Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$735Additional noninterest income
  • $7,967Total noninterest expense
  • $4,052Salaries and employee benefits
  • $709Premises and equipment expense
  • $3,206Additional noninterest expense
  • $2,000Pre-tax net operating income
  • $21Securities gains (losses)
  • $301Applicable income taxes
  • $1,720Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,720Net income attributable to bank
  • $0Net charge-offs
  • $1,720Cash dividends
  • $2,488Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.91%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 3.08%Net interest margin
  • -0.12%Noninterest income to earning assets
  • 1.65%Noninterest expense to earning assets
  • 0.33%Net operating income to assets
  • 0.33%Return on assets (ROA)
  • 0.39%Pretax return on assets
  • 1.95%Return on equity (ROE)
  • 1.95%Retained earnings to average equity (YTD only)
  • 0.83%Net charge-offs to loans
  • 171.91%Credit loss provision to net charge-offs
  • 2.52%Efficiency ratio
  • 55,932Assets per employee
  • 8.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 28.13%Noncurrent assets plus other real estate owned to assets
  • 3.90%Noncurrent loans to loans
  • 6.70%Net loans and leases to deposits
  • 64.63%Net loans and leases to core deposits
  • 67.00%Equity capital to assets
  • 17.34%Core capital (leverage) ratio
  • 17.12%Tier 1 risk-based capital ratio
  • 39.49%Total risk-based capital ratio
  • Memoranda
  • $41Average assets
  • $519,611Average earning assets
  • $88,403Average equity
  • $482,498Average loans

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042634Lisle Savings Bank1450 Maple, Lisle, IL 60532January 01, 1917Full Service Brick and Mortar
    12772174720 Main Street Branch4720 Main Street, Lisle, IL 60532June 30, 1985Full Service Brick and Mortar

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