Fox Valley Bank in St. Charles, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 14, 1998

  • Fox Valley Bank in St. Charles, Illinois (IL)
  • Show street view No street view available for this location

Fox Valley Bank - Overview

  • General
  • FDIC Certificate #: 27424
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: The Merchants National Bank of Aurora (#3602)
    Federal Reserve ID: 1357260
    Date Established: January 12, 1989
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 39895
    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 12, 1989
    Last Structure Change Effective Date: December 14, 1998
    Last Structure Change Process Date: Febuary 17, 1999
    Last Data Update: Febuary 17, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 1600 East Main Street, St. Charles, IL 60174
    County: Kane
    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: $81.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 27Total employees (full-time equivalent)
  • $75,391Total assets
  • $4,583Cash and due from depository institutions
  • $0Interest-bearing balances
  • $15,491Securities
  • $6,461Federal funds sold & reverse repurchase agreements
  • $42,505Net loans & leases
  • $446Loan loss allowance
  • $0Trading account assets
  • $465Bank premises and fixed assets
  • $0Other real estate owned
  • $5,202Goodwill and other intangibles
  • $0Life insurance assets
  • $684All other assets
  • $75,391Total liabilities and capital
  • $65,436Total liabilities
  • $63,676Total deposits
  • $50,081Interest-bearing deposits
  • $63,676Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $1,085Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $675All other liabilities
  • $9,955Total equity capital
  • $9,955Total bank equity capital
  • $9,955Perpetual preferred stock
  • $0Common stock
  • $248Surplus
  • $9,303Undivided profits
  • Memoranda
  • $404Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $274Earning assets
  • $0Long-term assets (5+ years)
  • $279Average Assets, year-to-date
  • $64,457Average Assets, quarterly
  • $5,142Volatile liabilities
  • $68,270Insider loans
  • $72,445FHLB advances
  • $10,260Loans and leases held for sale
  • $2,119Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $16,426Total unused commitments
  • $0Restructured Loans and leases
  • $50,788Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $4,954Total interest income
  • $2,219Total interest expense
  • $2,735Net interest income
  • $270Provision for loan and lease losses
  • $351Total noninterest income
  • $0Fiduciary activities
  • $257Service charges on deposit accounts
  • $0Trading account gains & fees
  • $94Additional noninterest income
  • $2,410Total noninterest expense
  • $918Salaries and employee benefits
  • $417Premises and equipment expense
  • $1,075Additional noninterest expense
  • $406Pre-tax net operating income
  • -$1Securities gains (losses)
  • $215Applicable income taxes
  • $190Income before extraordinary items
  • $0Extraordinary gains - net
  • $190Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $228Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.57%Yield on earning assets
  • 3.84%Cost of funding earning assets
  • 4.73%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 4.17%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.28%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 1.97%Return on equity (ROE)
  • 1.97%Retained earnings to average equity (YTD only)
  • 0.56%Net charge-offs to loans
  • 118.42%Credit loss provision to net charge-offs
  • 2.96%Efficiency ratio
  • 65,003Assets per employee
  • 2.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.04%Loss allowance to noncurrent loans
  • 162.77%Noncurrent assets plus other real estate owned to assets
  • 0.36%Noncurrent loans to loans
  • 0.64%Net loans and leases to deposits
  • 66.75%Net loans and leases to core deposits
  • 77.99%Equity capital to assets
  • 13.20%Core capital (leverage) ratio
  • 8.44%Tier 1 risk-based capital ratio
  • 10.35%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $68,270Average earning assets
  • $9,635Average equity
  • $57,796Average loans

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