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

This bank is inactive as of November 03, 1994

  • Riverdale Bank in Riverdale, Illinois (IL)
  • Show street view No street view available for this location

Riverdale Bank - Overview

  • General
  • FDIC Certificate #: 10795
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Heritage Community Bank (#20078)
    Federal Reserve ID: 811840
    Date Established: January 01, 1917
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 6903
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: November 03, 1994
    Last Structure Change Process Date: November 17, 1994
    Last Data Update: November 17, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 13700 South Indiana Avenue, Riverdale, IL 60627
    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)
  • Financial Summary
  • Total assets: $94.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $57Total assets
  • $95,178Cash and due from depository institutions
  • $5,410Interest-bearing balances
  • $200Securities
  • $54,048Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $32,318Loan loss allowance
  • $465Trading account assets
  • $0Bank premises and fixed assets
  • $1,818Other real estate owned
  • $644Goodwill and other intangibles
  • $940Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $95,178Total liabilities
  • $86,625Total deposits
  • $81,396Interest-bearing deposits
  • $66,568Deposits held in domestic offices
  • 81396.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $4,100Subordinated debt
  • $0All other liabilities
  • $1,129Total equity capital
  • $1,129Total bank equity capital
  • $8,553Perpetual preferred stock
  • $0Common stock
  • $1,279Surplus
  • $4,224Undivided profits
  • Memoranda
  • $3,050Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $646Income earned, not collected on loans
  • $301Earning assets
  • $86,566Long-term assets (5+ years)
  • $46,145Average Assets, year-to-date
  • $101,910Average Assets, quarterly
  • $98,519Volatile liabilities
  • $7,243Insider loans
  • $88FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $13,591Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,784Total risk weighted assets
  • $49,702Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,305Total interest expense
  • $2,450Net interest income
  • $3,855Provision for loan and lease losses
  • $174Total noninterest income
  • $1,486Fiduciary activities
  • $14Service charges on deposit accounts
  • $846Trading account gains & fees
  • $0Additional noninterest income
  • $626Total noninterest expense
  • $3,877Salaries and employee benefits
  • $1,535Premises and equipment expense
  • $705Additional noninterest expense
  • $1,637Pre-tax net operating income
  • $1,290Securities gains (losses)
  • $156Applicable income taxes
  • $365Income before extraordinary items
  • $1,081Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,081Net charge-offs
  • $301Cash dividends
  • $1,210Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.74%Cost of funding earning assets
  • 2.62%Net interest margin
  • 4.12%Noninterest income to earning assets
  • 1.59%Noninterest expense to earning assets
  • 4.14%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 1.42%Return on equity (ROE)
  • 13.23%Retained earnings to average equity (YTD only)
  • -1.58%Net charge-offs to loans
  • 0.90%Credit loss provision to net charge-offs
  • 57.81%Efficiency ratio
  • 72,589Assets per employee
  • 1.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 111.93%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 71.98%Noncurrent assets plus other real estate owned to assets
  • 1.36%Noncurrent loans to loans
  • 1.97%Net loans and leases to deposits
  • 39.70%Net loans and leases to core deposits
  • 41.30%Equity capital to assets
  • 8.99%Core capital (leverage) ratio
  • 7.98%Tier 1 risk-based capital ratio
  • 15.66%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $101,910Average earning assets
  • $8,172Average equity
  • $93,538Average loans

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