Oxford Bank in Romeoville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 15, 1994

  • Oxford Bank in Romeoville, Illinois (IL)
  • Show street view No street view available for this location

Oxford Bank - Overview

  • General
  • FDIC Certificate #: 20145
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, National Association (#3618)
    Federal Reserve ID: 1004144
    Date Established: March 02, 1970
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 13841
    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: March 02, 1970
    Last Structure Change Effective Date: October 15, 1994
    Last Structure Change Process Date: December 19, 1994
    Last Data Update: December 19, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 50 Phelps Avenue, Romeoville, IL 60441
    County: Will
    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: $39.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $25Total assets
  • $42,213Cash and due from depository institutions
  • $2,845Interest-bearing balances
  • $95Securities
  • $12,468Federal funds sold & reverse repurchase agreements
  • $3,400Net loans & leases
  • $18,677Loan loss allowance
  • $318Trading account assets
  • $0Bank premises and fixed assets
  • $3,289Other real estate owned
  • $242Goodwill and other intangibles
  • $215Life insurance assets
  • $1,077All other assets
  • $0Total liabilities and capital
  • $42,213Total liabilities
  • $37,778Total deposits
  • $37,376Interest-bearing deposits
  • $31,916Deposits held in domestic offices
  • 37376.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $402Total equity capital
  • $402Total bank equity capital
  • $4,435Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $4,016Undivided profits
  • Memoranda
  • $119Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $317Income earned, not collected on loans
  • $104Earning assets
  • $34,640Long-term assets (5+ years)
  • $15,518Average Assets, year-to-date
  • $42,371Average Assets, quarterly
  • $43,116Volatile liabilities
  • $4,202Insider loans
  • $17FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,554Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,358Total risk weighted assets
  • $25,922Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,533Total interest expense
  • $1,106Net interest income
  • $1,427Provision for loan and lease losses
  • $25Total noninterest income
  • $486Fiduciary activities
  • $0Service charges on deposit accounts
  • $288Trading account gains & fees
  • $0Additional noninterest income
  • $198Total noninterest expense
  • $1,820Salaries and employee benefits
  • $753Premises and equipment expense
  • $339Additional noninterest expense
  • $728Pre-tax net operating income
  • $68Securities gains (losses)
  • $13Applicable income taxes
  • $13Income before extraordinary items
  • $68Extraordinary gains - net
  • $0Net income attributable to bank
  • $68Net charge-offs
  • $8Cash dividends
  • $900Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.44%Cost of funding earning assets
  • 3.25%Net interest margin
  • 4.19%Noninterest income to earning assets
  • 1.43%Noninterest expense to earning assets
  • 5.34%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • 0.16%Pretax return on assets
  • 0.19%Return on equity (ROE)
  • 1.38%Retained earnings to average equity (YTD only)
  • -16.85%Net charge-offs to loans
  • 0.04%Credit loss provision to net charge-offs
  • 312.50%Efficiency ratio
  • 90,329Assets per employee
  • 1.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1323.53%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 100.32%Noncurrent assets plus other real estate owned to assets
  • 1.32%Noncurrent loans to loans
  • 1.67%Net loans and leases to deposits
  • 49.97%Net loans and leases to core deposits
  • 56.30%Equity capital to assets
  • 10.51%Core capital (leverage) ratio
  • 7.78%Tier 1 risk-based capital ratio
  • 12.95%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $42,371Average earning assets
  • $4,937Average equity
  • $34,056Average loans

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