West Suburban Bank of Aurora, F.S.B. in Aurora, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of May 16, 1997

  • West Suburban Bank of Aurora, F.S.B. in Aurora, Illinois (IL)
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West Suburban Bank of Aurora, F.S.B. - Overview

  • General
  • FDIC Certificate #: 29156
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: West Suburban Bank (#18509)
    Federal Reserve ID: 779874
    Date Established: January 01, 1926
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 3009
    FDIC's unique #: 41990
    Numeric code: 33
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: December 04, 1939
    Last Structure Change Effective Date: May 16, 1997
    Last Structure Change Process Date: May 30, 1997
    Last Data Update: May 30, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 North Lake Street, Aurora, IL 60507
    County: Kane
    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: $163.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $68Total assets
  • $159,477Cash and due from depository institutions
  • $4,387Interest-bearing balances
  • $240Securities
  • $3,943Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $139,435Loan loss allowance
  • $1,392Trading account assets
  • $0Bank premises and fixed assets
  • $9,332Other real estate owned
  • $550Goodwill and other intangibles
  • $1,830Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $159,477Total liabilities
  • $141,814Total deposits
  • $128,568Interest-bearing deposits
  • $120,387Deposits held in domestic offices
  • 128568.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $10,506Subordinated debt
  • $0All other liabilities
  • $2,740Total equity capital
  • $2,740Total bank equity capital
  • $17,663Perpetual preferred stock
  • $0Common stock
  • $100Surplus
  • $10,841Undivided profits
  • Memoranda
  • $6,722Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,141Income earned, not collected on loans
  • $846Earning assets
  • $143,618Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $157,293Average Assets, quarterly
  • $157,297Volatile liabilities
  • $22,719Insider loans
  • $996FHLB advances
  • $1,350Loans and leases held for sale
  • $0Unused loan commitments
  • $14,448Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $17,673Total risk weighted assets
  • $126,937Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,607Total interest expense
  • $5,690Net interest income
  • $5,917Provision for loan and lease losses
  • $231Total noninterest income
  • $4,362Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $4,362Total noninterest expense
  • $5,577Salaries and employee benefits
  • $1,779Premises and equipment expense
  • $1,524Additional noninterest expense
  • $2,274Pre-tax net operating income
  • $4,471Securities gains (losses)
  • $130Applicable income taxes
  • $2,014Income before extraordinary items
  • $2,587Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,587Net charge-offs
  • $128Cash dividends
  • $1,300Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.29%Cost of funding earning assets
  • 4.06%Net interest margin
  • 4.23%Noninterest income to earning assets
  • 3.12%Noninterest expense to earning assets
  • 3.98%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 2.93%Return on equity (ROE)
  • 15.09%Retained earnings to average equity (YTD only)
  • 7.51%Net charge-offs to loans
  • 0.09%Credit loss provision to net charge-offs
  • 180.47%Efficiency ratio
  • 54,256Assets per employee
  • 2.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 50.25%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 122.00%Noncurrent assets plus other real estate owned to assets
  • 1.06%Noncurrent loans to loans
  • 0.81%Net loans and leases to deposits
  • 108.45%Net loans and leases to core deposits
  • 119.84%Equity capital to assets
  • 11.08%Core capital (leverage) ratio
  • 11.08%Tier 1 risk-based capital ratio
  • 13.92%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $157,293Average earning assets
  • $17,143Average equity
  • $140,003Average loans

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