Deerfield Federal Savings and Loan Association in Deerfield, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1995

  • Deerfield Federal Savings and Loan Association in Deerfield, Illinois (IL)
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Deerfield Federal Savings and Loan Association - Overview

  • General
  • FDIC Certificate #: 28842
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: NBD Bank (#942)
    Federal Reserve ID: 176679
    Date Established: January 01, 1927
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 2471
    FDIC's unique #: 41676
    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: January 12, 1939
    Last Structure Change Effective Date: July 01, 1995
    Last Structure Change Process Date: July 17, 1995
    Last Data Update: November 17, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 745 Deerfield Road, Deerfield, IL 60015
    County: Lake
    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: Lake County-Kenosha County, IL-WI (#29404)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $762.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $248Total assets
  • $761,261Cash and due from depository institutions
  • $23,764Interest-bearing balances
  • $17,362Securities
  • $282,712Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $426,990Loan loss allowance
  • $4,671Trading account assets
  • $0Bank premises and fixed assets
  • $14,471Other real estate owned
  • $184Goodwill and other intangibles
  • $12,920Life insurance assets
  • $220All other assets
  • $0Total liabilities and capital
  • $761,261Total liabilities
  • $704,357Total deposits
  • $663,548Interest-bearing deposits
  • $622,355Deposits held in domestic offices
  • 663548.00%% insured (estimated)
  • $95Federal funds purchased & repurchase agreements
  • $6,061Trading liabilities
  • $0Other borrowed funds
  • $26,600Subordinated debt
  • $0All other liabilities
  • $8,148Total equity capital
  • $8,148Total bank equity capital
  • $56,904Perpetual preferred stock
  • $0Common stock
  • $1,150Surplus
  • $15,324Undivided profits
  • Memoranda
  • $40,430Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,718Income earned, not collected on loans
  • $2,379Earning assets
  • $727,064Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $757,753Average Assets, quarterly
  • $763,312Volatile liabilities
  • $109,437Insider loans
  • $219FHLB advances
  • $26,600Loans and leases held for sale
  • $0Unused loan commitments
  • $49,397Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $55,774Total risk weighted assets
  • $321,436Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $47,730Total interest expense
  • $22,781Net interest income
  • $24,949Provision for loan and lease losses
  • $150Total noninterest income
  • $2,858Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $2,858Total noninterest expense
  • $15,314Salaries and employee benefits
  • $7,318Premises and equipment expense
  • $4,060Additional noninterest expense
  • $3,936Pre-tax net operating income
  • $12,343Securities gains (losses)
  • $46Applicable income taxes
  • $4,005Income before extraordinary items
  • $8,384Extraordinary gains - net
  • $0Net income attributable to bank
  • $8,384Net charge-offs
  • -$33Cash dividends
  • $5,000Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.59%Cost of funding earning assets
  • 3.15%Net interest margin
  • 3.45%Noninterest income to earning assets
  • 0.39%Noninterest expense to earning assets
  • 2.12%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 1.63%Return on equity (ROE)
  • 15.47%Retained earnings to average equity (YTD only)
  • 6.25%Net charge-offs to loans
  • -0.01%Credit loss provision to net charge-offs
  • -454.55%Efficiency ratio
  • 54,983Assets per employee
  • 3.07%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.64%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 171.85%Noncurrent assets plus other real estate owned to assets
  • 0.38%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 64.35%Net loans and leases to core deposits
  • 72.77%Equity capital to assets
  • 7.47%Core capital (leverage) ratio
  • 7.34%Tier 1 risk-based capital ratio
  • 17.35%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $757,753Average earning assets
  • $54,184Average equity
  • $723,857Average loans

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