Capitol Bank and Trust in Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 1997

  • Capitol Bank and Trust in Chicago, Illinois (IL)
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Capitol Bank and Trust - Overview

  • General
  • FDIC Certificate #: 18636
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Banco Popular, Illinois (#1804)
    Federal Reserve ID: 331133
    Date Established: November 27, 1962
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 12518
    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: November 27, 1962
    Last Structure Change Effective Date: October 31, 1997
    Last Structure Change Process Date: November 19, 1997
    Last Data Update: November 19, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 4801 West Fullerton Avenue, Chicago, IL 60639
    County: Cook
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: New York
    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: $234.6 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)
  • $90Total assets
  • $218,194Cash and due from depository institutions
  • $7,431Interest-bearing balances
  • $0Securities
  • $53,906Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $152,531Loan loss allowance
  • $1,994Trading account assets
  • $0Bank premises and fixed assets
  • $2,179Other real estate owned
  • $125Goodwill and other intangibles
  • $2,022Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $218,194Total liabilities
  • $196,902Total deposits
  • $193,951Interest-bearing deposits
  • $160,669Deposits held in domestic offices
  • 193951.00%% insured (estimated)
  • $79Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $1,951Total equity capital
  • $1,951Total bank equity capital
  • $21,292Perpetual preferred stock
  • $0Common stock
  • $1,971Surplus
  • $11,029Undivided profits
  • Memoranda
  • $8,292Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,029Income earned, not collected on loans
  • $857Earning assets
  • $206,437Long-term assets (5+ years)
  • $35,690Average Assets, year-to-date
  • $219,175Average Assets, quarterly
  • $220,468Volatile liabilities
  • $40,659Insider loans
  • $229FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $24,330Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $21,205Total risk weighted assets
  • $168,257Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $17,288Total interest expense
  • $7,619Net interest income
  • $9,669Provision for loan and lease losses
  • $308Total noninterest income
  • $1,135Fiduciary activities
  • $304Service charges on deposit accounts
  • $634Trading account gains & fees
  • $0Additional noninterest income
  • $197Total noninterest expense
  • $6,045Salaries and employee benefits
  • $3,337Premises and equipment expense
  • $647Additional noninterest expense
  • $2,061Pre-tax net operating income
  • $4,451Securities gains (losses)
  • $245Applicable income taxes
  • $1,787Income before extraordinary items
  • $2,909Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,909Net charge-offs
  • $581Cash dividends
  • $633Sale, 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
  • 8.40%Cost of funding earning assets
  • 3.70%Net interest margin
  • 4.70%Noninterest income to earning assets
  • 0.55%Noninterest expense to earning assets
  • 2.94%Net operating income to assets
  • 1.26%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 2.14%Return on equity (ROE)
  • 14.59%Retained earnings to average equity (YTD only)
  • 11.42%Net charge-offs to loans
  • 0.38%Credit loss provision to net charge-offs
  • 53.01%Efficiency ratio
  • 55,951Assets per employee
  • 2.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 21.76%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 98.28%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 1.31%Net loans and leases to deposits
  • 78.64%Net loans and leases to core deposits
  • 98.86%Equity capital to assets
  • 9.76%Core capital (leverage) ratio
  • 9.58%Tier 1 risk-based capital ratio
  • 12.60%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $219,175Average earning assets
  • $19,935Average equity
  • $205,747Average loans

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