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


Pulaski Savings Bank - Overview

  • General
  • FDIC Certificate #: 28611
    Status: Active
    Federal Reserve ID: 490179
    Date Established: January 01, 1890
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 1950
    FDIC's unique #: 41445
    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 01, 1940
    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: 3156 S Morgan St, Chicago, IL 60608
    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: $48.5 mil
    Equity capital: $6.3 mil
    Deposits held in domestic offices: $42.1 mil
    Return on assets (ROA): -0.24% (-$0.1 mil)
    Quarterly return on assets: 2.14% ($1.0 mil)
    Return on Equity (ROE): -1.92% (-$0.1 mil)
    Quarterly return on equity: 17.07% ($1.0 mil)
    Net income: -$0.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: -0.36% (-$174.7 mil)
    Quarterly Pretax return on assets: 1.69% ($820.3 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
  • 10Total employees (full-time equivalent)
  • $48,541Total assets
  • $3,041Cash and due from depository institutions
  • $793Interest-bearing balances
  • $13,749Securities
  • $750Federal funds sold & reverse repurchase agreements
  • $28,304Net loans & leases
  • $158Loan loss allowance
  • $0Trading account assets
  • $687Bank premises and fixed assets
  • $125Other real estate owned
  • $0Goodwill and other intangibles
  • $48,541Life insurance assets
  • $1,885All other assets
  • $42,212Total liabilities and capital
  • $42,052Total liabilities
  • $41,810Total deposits
  • $42,052Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $160Subordinated debt
  • $6,329All other liabilities
  • $6,329Total equity capital
  • $6,329Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $6,329Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $570Income earned, not collected on loans
  • $0Earning assets
  • $101Long-term assets (5+ years)
  • $43,596Average Assets, year-to-date
  • $39,720Average Assets, quarterly
  • $48,679Volatile liabilities
  • $49,516Insider loans
  • $16,832FHLB advances
  • $49,593Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,286Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $785Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,955Total interest income
  • $453Total interest expense
  • $1,502Net interest income
  • $101Provision for loan and lease losses
  • -$50Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$50Additional noninterest income
  • $1,509Total noninterest expense
  • $699Salaries and employee benefits
  • $323Premises and equipment expense
  • $487Additional noninterest expense
  • -$158Pre-tax net operating income
  • -$16Securities gains (losses)
  • -$56Applicable income taxes
  • -$118Income before extraordinary items
  • $0Extraordinary gains - net
  • -$118Net income attributable to bank
  • $0Net charge-offs
  • -$118Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 1.05%Cost of funding earning assets
  • 3.47%Net interest margin
  • -0.12%Noninterest income to earning assets
  • 3.48%Noninterest expense to earning assets
  • -0.22%Net operating income to assets
  • -0.24%Return on assets (ROA)
  • -0.36%Pretax return on assets
  • -1.92%Return on equity (ROE)
  • -1.92%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 103,926Assets per employee
  • 4.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.56%Loss allowance to noncurrent loans
  • 27.72%Noncurrent assets plus other real estate owned to assets
  • 1.43%Noncurrent loans to loans
  • 2.00%Net loans and leases to deposits
  • 67.31%Net loans and leases to core deposits
  • 69.65%Equity capital to assets
  • 13.04%Core capital (leverage) ratio
  • 12.68%Tier 1 risk-based capital ratio
  • 37.35%Total risk-based capital ratio
  • Memoranda
  • $38Average assets
  • $48,679Average earning assets
  • $6,143Average equity
  • $43,313Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    041445Pulaski Savings Bank3156 S Morgan St, Chicago, IL 60608January 01, 1890Full Service Brick and Mortar

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