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Table of contents:
GeneralFDIC Certificate #: 27870
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: TCF National Bank (#28330)
Federal Reserve ID: 646976
Date Established: January 01, 1928
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 157 (Interstate: No)
OTS Docket #: 445
FDIC's unique #: 40704
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
SAIF Insured: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: December 20, 1934
Last Structure Change Effective Date: April 01, 2000
Last Structure Change Process Date: June 05, 2000
Last Data Update: June 05, 2000
Data Source Date: April 05, 2012
LocationAddress: 800 Burr Ridge Parkway, Burr Ridge, IL 60521
County: Cook
Quarterly Banking Profile Region: Chicago
FDIC Geographic Region: Chicago
FDIC Supervisory Region: Kansas City
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 SummaryTotal assets: $3,553.8 mil

1992 - 1999 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, 1999)
(Dollar figures in thousands)
Total employees (full-time equivalent)1,966
Total assets$3,580,738
Cash and due from depository institutions$147,766
Interest-bearing balances$10
Federal funds sold & reverse repurchase agreements$35,100
Net loans & leases$2,402,959
Loan loss allowance $11,530
Trading account assets$0
Bank premises and fixed assets$56,040
Other real estate owned$759
Goodwill and other intangibles$163,951
All other assets$57,223
Life insurance assets$0
Total liabilities and capital$3,580,738
Total liabilities$3,227,355
Total deposits$2,101,285
Interest-bearing deposits$1,766,652
Deposits held in domestic offices$2,101,285
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $450,000
Trading liabilities$0
Other borrowed funds $616,816
Subordinated debt $0
All other liabilities $59,254
Total equity capital$353,383
Total bank equity capital$353,383
Perpetual preferred stock$353,383
Common stock$0
Undivided profits $289,341
Noncurrent loans and leases $-5,958
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $207,080
Income earned, not collected on loans $0
Earning assets $9,727
Long-term assets (5+ years) $0
Average Assets, year-to-date $14,196
Average Assets, quarterly $3,155,009
Volatile liabilities $1,347,942
Insider loans $3,481,397
FHLB advances $3,547,939
Loans and leases held for sale $785,176
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $57,232
Total unused commitments $207,080
Restructured Loans and leases $0
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Income and Expense (December 31, 1999)
(Dollar figures in thousands)
Total interest income $221,795
Total interest expense $107,851
Net interest income $113,944
Provision for loan and lease losses $17
Total noninterest income $89,594
Fiduciary activities $35
Service charges on deposit accounts $57,082
Trading account gains & fees $0
Additional noninterest income $32,477
Total noninterest expense $148,623
Salaries and employee benefits $59,983
Premises and equipment expense $19,118
Additional noninterest expense $69,522
Pre-tax net operating income $54,898
Securities gains (losses) $149
Applicable income taxes $24,358
Income before extraordinary items $30,689
Extraordinary gains - net $0
Net income attributable to bank $30,689
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $409
Net operating income $40,286
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Performance and Condition Ratios (December 31, 1999)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.18%
Cost of funding earning assets 3.49%
Net interest margin 3.69%
Noninterest income to earning assets 2.90%
Noninterest expense to earning assets 4.81%
Net operating income to assets 0.88%
Return on assets (ROA) 0.88%
Pretax return on assets 1.58%
Return on equity (ROE) 8.31%
Retained earnings to average equity (YTD only) -2.60%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 4.16%
Efficiency ratio134.27%
Assets per employee$68,305
Cash dividends to net income (YTD only)1.82%
Condition Ratios (%)
Loss allowance to loans 131.27%
Loss allowance to noncurrent loans 0.48%
Noncurrent assets plus other real estate owned to assets 118.54%
Noncurrent loans to loans 0.29%
Net loans and leases to deposits0.40%
Net loans and leases to core deposits 114.36%
Equity capital to assets 122.23%
Core capital (leverage) ratio 9.87%
Tier 1 risk-based capital ratio 6.28%
Total risk-based capital ratio 12.16%
Average assets$13
Average earning assets$3,481,397
Average equity $369,231
Average loans $3,087,763
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