FDIC Certificate #: 29386 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Marquette Bank (#16250) Federal Reserve ID: 550970 Date Established: January 01, 1904 WWW:http://www.hemlockbank.com Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 3369 FDIC's unique #: 42220 Numeric code: 33 Regulator: OTS Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes State Chartered: No Date of Deposit Insurance: June 29, 1938 Last Structure Change Effective Date: October 20, 2006 Last Structure Change Process Date: November 15, 2006 Last Data Update: November 15, 2006 Data Source Date: April 05, 2012
Location
Address: 5700 West 159th Street, Oak Forest, IL 60452 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: $268.9 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 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, 2005)
Dollar figures in thousands
56Total employees (full-time equivalent)
$292,198Total assets
$12,460Cash and due from depository institutions
$10,648Interest-bearing balances
$105,375Securities
$0Federal funds sold & reverse repurchase agreements
$155,756Net loans & leases
$656Loan loss allowance
$0Trading account assets
$4,489Bank premises and fixed assets
$0Other real estate owned
$1,133Goodwill and other intangibles
$5,764Life insurance assets
$12,985All other assets
$292,198Total liabilities and capital
$267,347Total liabilities
$195,963Total deposits
$190,108Interest-bearing deposits
$195,963Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$69,800Other borrowed funds
$0Subordinated debt
$1,584All other liabilities
$24,851Total equity capital
$24,851Total bank equity capital
$24,851Perpetual preferred stock
$0Common stock
$25Surplus
$12,185Undivided profits
Memoranda
$12,641Noncurrent loans and leases
$10,780Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$263Earning assets
$0Long-term assets (5+ years)
$1,094Average Assets, year-to-date
$271,779Average Assets, quarterly
$0Volatile liabilities
$293,066Insider loans
$292,191FHLB advances
$96,673Loans and leases held for sale
$1,339Unused loan commitments
$69,800Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$10,780Total unused commitments
$0Restructured Loans and leases
$656Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$14,015Total interest income
$5,850Total interest expense
$8,165Net interest income
$0Provision for loan and lease losses
$634Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$634Additional noninterest income
$6,131Total noninterest expense
$3,677Salaries and employee benefits
$1,505Premises and equipment expense
$949Additional noninterest expense
$2,668Pre-tax net operating income
$657Securities gains (losses)
$929Applicable income taxes
$2,396Income before extraordinary items
$0Extraordinary gains - net
$2,396Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.13%Yield on earning assets
2.14%Cost of funding earning assets
2.99%Net interest margin
0.23%Noninterest income to earning assets
2.24%Noninterest expense to earning assets
0.66%Net operating income to assets
0.82%Return on assets (ROA)
1.13%Pretax return on assets
10.27%Return on equity (ROE)
10.27%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
68,587Assets per employee
5.22%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.42%Loss allowance to noncurrent loans
249.43%Noncurrent assets plus other real estate owned to assets
0.09%Noncurrent loans to loans
0.17%Net loans and leases to deposits
79.48%Net loans and leases to core deposits
92.11%Equity capital to assets
8.50%Core capital (leverage) ratio
8.14%Tier 1 risk-based capital ratio
16.72%Total risk-based capital ratio
Memoranda
$17Average assets
$293,066Average earning assets
$23,324Average equity
$273,214Average loans
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