FDIC Certificate #: 28902 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Charter One Bank, National Association (#28932) Federal Reserve ID: 42073 Date Established: April 01, 1934 Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) OTS Docket #: 2594 FDIC's unique #: 41736 Numeric code: 33 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: October 20, 1934 Last Structure Change Effective Date: July 02, 2001 Last Structure Change Process Date: July 12, 2001 Last Data Update: July 12, 2001 Data Source Date: April 05, 2012
Location
Address: Grant Square, Hinsdale, IL 60521 County: Dupage 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: $2,008.6 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
438Total employees (full-time equivalent)
$2,003,452Total assets
$52,059Cash and due from depository institutions
$33,618Interest-bearing balances
$304,666Securities
$0Federal funds sold & reverse repurchase agreements
$1,521,004Net loans & leases
$7,208Loan loss allowance
$0Trading account assets
$12,096Bank premises and fixed assets
$1,409Other real estate owned
$2,321Goodwill and other intangibles
$0Life insurance assets
$109,897All other assets
$2,003,452Total liabilities and capital
$1,857,978Total liabilities
$1,292,985Total deposits
$1,225,859Interest-bearing deposits
$1,292,985Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$546,304Other borrowed funds
$0Subordinated debt
$18,689All other liabilities
$145,474Total equity capital
$145,474Total bank equity capital
$145,474Perpetual preferred stock
$0Common stock
$1Surplus
$88,489Undivided profits
Memoranda
$56,984Noncurrent loans and leases
$330,319Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$4,332Earning assets
$0Long-term assets (5+ years)
$9,903Average Assets, year-to-date
$1,859,288Average Assets, quarterly
$0Volatile liabilities
$1,924,476Insider loans
$1,981,167FHLB advances
$772,934Loans and leases held for sale
$277Unused loan commitments
$546,116Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$330,319Total unused commitments
$378Restructured Loans and leases
$7,208Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$139,413Total interest income
$86,908Total interest expense
$52,505Net interest income
$1,800Provision for loan and lease losses
$15,118Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$15,118Additional noninterest income
$41,467Total noninterest expense
$20,783Salaries and employee benefits
$10,592Premises and equipment expense
$10,092Additional noninterest expense
$24,356Pre-tax net operating income
-$6,468Securities gains (losses)
$5,437Applicable income taxes
$12,451Income before extraordinary items
$5,699Extraordinary gains - net
$18,150Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$554Sale, conversion, retirement of capital stock, net
$9,563Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.80%Yield on earning assets
4.86%Cost of funding earning assets
2.94%Net interest margin
0.85%Noninterest income to earning assets
2.32%Noninterest expense to earning assets
0.88%Net operating income to assets
0.94%Return on assets (ROA)
1.23%Pretax return on assets
13.52%Return on equity (ROE)
6.40%Retained earnings to average equity (YTD only)
0.04%Net charge-offs to loans
324.91%Credit loss provision to net charge-offs
47.21%Efficiency ratio
61,140Assets per employee
4.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
52.69%Loss allowance to loans
0.47%Loss allowance to noncurrent loans
166.39%Noncurrent assets plus other real estate owned to assets
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