Charter Bank and Trust of Illinois in Hanover Park, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 04, 1993

  • Charter Bank and Trust of Illinois in Hanover Park, Illinois (IL)
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Charter Bank and Trust of Illinois - Overview

  • General
  • FDIC Certificate #: 20159
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Charter National Bank and Trust (#23187)
    Federal Reserve ID: 938934
    Date Established: April 10, 1970
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 13852
    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: April 10, 1970
    Last Structure Change Effective Date: September 04, 1993
    Last Structure Change Process Date: October 07, 1993
    Last Data Update: October 07, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 1400 Irving Park Road, Hanover Park, IL 60103
    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: $79.9 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $59Total assets
  • $80,789Cash and due from depository institutions
  • $4,088Interest-bearing balances
  • $0Securities
  • $29,385Federal funds sold & reverse repurchase agreements
  • $2,600Net loans & leases
  • $40,449Loan loss allowance
  • $719Trading account assets
  • $0Bank premises and fixed assets
  • $1,571Other real estate owned
  • $1,753Goodwill and other intangibles
  • $943Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $80,789Total liabilities
  • $75,007Total deposits
  • $73,372Interest-bearing deposits
  • $55,497Deposits held in domestic offices
  • 73372.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,043Subordinated debt
  • $0All other liabilities
  • $592Total equity capital
  • $592Total bank equity capital
  • $5,782Perpetual preferred stock
  • $0Common stock
  • $410Surplus
  • $4,140Undivided profits
  • Memoranda
  • $1,232Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,137Income earned, not collected on loans
  • $269Earning assets
  • $72,434Long-term assets (5+ years)
  • $9,111Average Assets, year-to-date
  • $77,618Average Assets, quarterly
  • $79,690Volatile liabilities
  • $6,895Insider loans
  • $122FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $2,776Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,782Total risk weighted assets
  • $50,471Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,936Total interest expense
  • $2,198Net interest income
  • $3,738Provision for loan and lease losses
  • $210Total noninterest income
  • $2,071Fiduciary activities
  • $0Service charges on deposit accounts
  • $843Trading account gains & fees
  • $0Additional noninterest income
  • $1,228Total noninterest expense
  • $4,397Salaries and employee benefits
  • $2,041Premises and equipment expense
  • $1,043Additional noninterest expense
  • $1,313Pre-tax net operating income
  • $1,202Securities gains (losses)
  • $43Applicable income taxes
  • $357Income before extraordinary items
  • $888Extraordinary gains - net
  • $0Net income attributable to bank
  • $888Net charge-offs
  • $127Cash dividends
  • $412Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.48%Cost of funding earning assets
  • 3.14%Net interest margin
  • 5.34%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 6.28%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.14%Pretax return on assets
  • 1.60%Return on equity (ROE)
  • 15.85%Retained earnings to average equity (YTD only)
  • 8.50%Net charge-offs to loans
  • 0.28%Credit loss provision to net charge-offs
  • 165.35%Efficiency ratio
  • 75,693Assets per employee
  • 1.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 46.40%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 63.24%Noncurrent assets plus other real estate owned to assets
  • 3.58%Noncurrent loans to loans
  • 2.76%Net loans and leases to deposits
  • 55.13%Net loans and leases to core deposits
  • 59.91%Equity capital to assets
  • 7.16%Core capital (leverage) ratio
  • 7.36%Tier 1 risk-based capital ratio
  • 11.46%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $77,618Average earning assets
  • $5,602Average equity
  • $69,965Average loans

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