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

This bank is inactive as of July 01, 1996

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

Bradley Bank - Overview

  • General
  • FDIC Certificate #: 10444
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: HomeStar Bank and Financial Services (#16375)
    Federal Reserve ID: 310633
    Date Established: December 18, 1911
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 9521
    FDIC's unique #: 6678
    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: July 01, 1996
    Last Structure Change Process Date: August 09, 1996
    Last Data Update: August 09, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 435 East North Street, Bradley, IL 60915
    County: Kankakee
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Champaign
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Kankakee, IL (#3740)
    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): Kankakee-Bradley, IL (#28100)
    CBSA Metro Statistical Area: Kankakee-Bradley, IL (#28100)
  • Financial Summary
  • Total assets: $79.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $26Total assets
  • $78,528Cash and due from depository institutions
  • $2,888Interest-bearing balances
  • $9Securities
  • $22,460Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $50,058Loan loss allowance
  • $378Trading account assets
  • $0Bank premises and fixed assets
  • $2,196Other real estate owned
  • $0Goodwill and other intangibles
  • $776Life insurance assets
  • $150All other assets
  • $0Total liabilities and capital
  • $78,528Total liabilities
  • $73,037Total deposits
  • $69,773Interest-bearing deposits
  • $65,034Deposits held in domestic offices
  • 69773.00%% insured (estimated)
  • $94Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,495Subordinated debt
  • $0All other liabilities
  • $769Total equity capital
  • $769Total bank equity capital
  • $5,491Perpetual preferred stock
  • $0Common stock
  • $150Surplus
  • $3,350Undivided profits
  • Memoranda
  • $1,991Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $392Income earned, not collected on loans
  • $424Earning assets
  • $72,527Long-term assets (5+ years)
  • $11,456Average Assets, year-to-date
  • $74,662Average Assets, quarterly
  • $77,579Volatile liabilities
  • $8,279Insider loans
  • $457FHLB advances
  • $0Loans and leases held for sale
  • $2,563Unused loan commitments
  • $6,160Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,842Total risk weighted assets
  • $48,319Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,815Total interest expense
  • $3,136Net interest income
  • $2,679Provision for loan and lease losses
  • $93Total noninterest income
  • $835Fiduciary activities
  • $0Service charges on deposit accounts
  • $255Trading account gains & fees
  • $0Additional noninterest income
  • $580Total noninterest expense
  • $1,936Salaries and employee benefits
  • $909Premises and equipment expense
  • $320Additional noninterest expense
  • $707Pre-tax net operating income
  • $1,485Securities gains (losses)
  • -$47Applicable income taxes
  • $526Income before extraordinary items
  • $912Extraordinary gains - net
  • $0Net income attributable to bank
  • $912Net charge-offs
  • $45Cash dividends
  • $575Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.44%Cost of funding earning assets
  • 4.55%Net interest margin
  • 3.89%Noninterest income to earning assets
  • 1.21%Noninterest expense to earning assets
  • 2.81%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 1.93%Return on equity (ROE)
  • 18.83%Retained earnings to average equity (YTD only)
  • 6.96%Net charge-offs to loans
  • 0.10%Credit loss provision to net charge-offs
  • 206.67%Efficiency ratio
  • 54,525Assets per employee
  • 3.02%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 63.05%Loss allowance to loans
  • 0.75%Loss allowance to noncurrent loans
  • 96.43%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 71.74%Net loans and leases to core deposits
  • 79.92%Equity capital to assets
  • 6.99%Core capital (leverage) ratio
  • 7.49%Tier 1 risk-based capital ratio
  • 12.09%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $74,662Average earning assets
  • $4,843Average equity
  • $68,892Average loans

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