Calumet Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 27871 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Regency Savings Bank, A FSB (#27770) Federal Reserve ID: 647076 Date Established: January 01, 1910 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 449 FDIC's unique #: 40705 Numeric code: 37 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 10, 1934 Last Structure Change Effective Date: April 30, 1999 Last Structure Change Process Date: June 04, 1999 Last Data Update: June 04, 1999 Data Source Date: April 05, 2012
Location
Address: 8905 S Commercial Ave, Chicago, IL 60617 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: $442.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 1998)
Dollar figures in thousands
135Total employees (full-time equivalent)
$452,865Total assets
$33,798Cash and due from depository institutions
$30,072Interest-bearing balances
$46,127Securities
$0Federal funds sold & reverse repurchase agreements
$356,543Net loans & leases
$6,029Loan loss allowance
$0Trading account assets
$5,113Bank premises and fixed assets
$4,682Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$6,602All other assets
$452,865Total liabilities and capital
$391,171Total liabilities
$354,183Total deposits
$343,809Interest-bearing deposits
$354,183Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$32,310Other borrowed funds
$0Subordinated debt
$4,678All other liabilities
$61,694Total equity capital
$61,694Total bank equity capital
$61,694Perpetual preferred stock
$0Common stock
$1Surplus
$8,883Undivided profits
Memoranda
$52,810Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3,219Earning assets
$0Long-term assets (5+ years)
$2,314Average Assets, year-to-date
$432,742Average Assets, quarterly
$0Volatile liabilities
$458,419Insider loans
$456,238FHLB advances
$60,757Loans and leases held for sale
$49Unused loan commitments
$32,310Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$25,613Total unused commitments
$0Restructured Loans and leases
$290,454Derivatives
Income and Expense (December 31, 1998)
Dollar figures in thousands
$36,230Total interest income
$19,471Total interest expense
$16,759Net interest income
$460Provision for loan and lease losses
$3,458Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$3,458Additional noninterest income
$9,286Total noninterest expense
$5,070Salaries and employee benefits
$2,105Premises and equipment expense
$2,111Additional noninterest expense
$10,471Pre-tax net operating income
$140Securities gains (losses)
$3,622Applicable income taxes
$6,989Income before extraordinary items
$0Extraordinary gains - net
$6,989Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$103Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 1998)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.33%Yield on earning assets
4.47%Cost of funding earning assets
3.85%Net interest margin
0.79%Noninterest income to earning assets
2.13%Noninterest expense to earning assets
1.50%Net operating income to assets
1.52%Return on assets (ROA)
2.31%Pretax return on assets
12.03%Return on equity (ROE)
12.03%Retained earnings to average equity (YTD only)
0.03%Net charge-offs to loans
446.60%Credit loss provision to net charge-offs
106.13%Efficiency ratio
45,932Assets per employee
3.35%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.66%Loss allowance to noncurrent loans
187.29%Noncurrent assets plus other real estate owned to assets
1.18%Noncurrent loans to loans
0.89%Net loans and leases to deposits
100.67%Net loans and leases to core deposits
109.46%Equity capital to assets
13.62%Core capital (leverage) ratio
12.75%Tier 1 risk-based capital ratio
19.67%Total risk-based capital ratio
Memoranda
$21Average assets
$458,419Average earning assets
$58,113Average equity
$435,136Average loans
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