Suburban Trust and Savings Bank in Oak Park, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 06, 1995

  • Suburban Trust and Savings Bank in Oak Park, Illinois (IL)
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Suburban Trust and Savings Bank - Overview

  • General
  • FDIC Certificate #: 9639
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Pinnacle Bank (#18516)
    Federal Reserve ID: 976440
    Date Established: April 12, 1912
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 6163
    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: January 06, 1995
    Last Structure Change Process Date: January 31, 1995
    Last Data Update: January 31, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 840 South Oak Park Avenue, Oak Park, IL 60304
    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: $144.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $82Total assets
  • $144,029Cash and due from depository institutions
  • $21,209Interest-bearing balances
  • $12,366Securities
  • $46,379Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $69,409Loan loss allowance
  • $1,946Trading account assets
  • $0Bank premises and fixed assets
  • $4,934Other real estate owned
  • $239Goodwill and other intangibles
  • $1,859Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $144,029Total liabilities
  • $132,309Total deposits
  • $131,264Interest-bearing deposits
  • $108,717Deposits held in domestic offices
  • 131264.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,045Total equity capital
  • $1,045Total bank equity capital
  • $11,720Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $7,088Undivided profits
  • Memoranda
  • $3,632Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,020Income earned, not collected on loans
  • $460Earning assets
  • $128,154Long-term assets (5+ years)
  • $25,102Average Assets, year-to-date
  • $153,049Average Assets, quarterly
  • $149,376Volatile liabilities
  • $20,425Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,727Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $11,935Total risk weighted assets
  • $92,619Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,921Total interest expense
  • $4,445Net interest income
  • $5,476Provision for loan and lease losses
  • $30Total noninterest income
  • $1,265Fiduciary activities
  • $442Service charges on deposit accounts
  • $410Trading account gains & fees
  • $0Additional noninterest income
  • $413Total noninterest expense
  • $5,542Salaries and employee benefits
  • $2,623Premises and equipment expense
  • $697Additional noninterest expense
  • $2,222Pre-tax net operating income
  • $1,169Securities gains (losses)
  • $77Applicable income taxes
  • $347Income before extraordinary items
  • $899Extraordinary gains - net
  • $0Net income attributable to bank
  • $899Net charge-offs
  • -$260Cash dividends
  • $425Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.20%Cost of funding earning assets
  • 3.22%Net interest margin
  • 3.97%Noninterest income to earning assets
  • 0.92%Noninterest expense to earning assets
  • 4.02%Net operating income to assets
  • 0.55%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 0.81%Return on equity (ROE)
  • 7.64%Retained earnings to average equity (YTD only)
  • 4.03%Net charge-offs to loans
  • -0.33%Credit loss provision to net charge-offs
  • -11.54%Efficiency ratio
  • 82,213Assets per employee
  • 1.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.27%Loss allowance to loans
  • 2.73%Loss allowance to noncurrent loans
  • 190.78%Noncurrent assets plus other real estate owned to assets
  • 0.87%Noncurrent loans to loans
  • 1.43%Net loans and leases to deposits
  • 52.88%Net loans and leases to core deposits
  • 62.62%Equity capital to assets
  • 8.14%Core capital (leverage) ratio
  • 7.84%Tier 1 risk-based capital ratio
  • 12.89%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $153,049Average earning assets
  • $11,760Average equity
  • $137,869Average loans

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