FDIC Certificate #: 28611 Status: Active Federal Reserve ID: 490179 Date Established: January 01, 1890 Trust Powers Granted: No Bank Charter Class: Savings banks, state charter, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 1950 FDIC's unique #: 41445 Numeric code: 42 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: August 01, 1940 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 3156 S Morgan St, Chicago, IL 60608 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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $48.5 mil Equity capital: $6.3 mil Deposits held in domestic offices: $42.1 mil Return on assets (ROA): -0.24% (-$0.1 mil) Quarterly return on assets: 2.14% ($1.0 mil) Return on Equity (ROE): -1.92% (-$0.1 mil) Quarterly return on equity: 17.07% ($1.0 mil) Net income: -$0.1 mil Quarterly Net income: $0.3 mil Pretax return on assets: -0.36% (-$174.7 mil) Quarterly Pretax return on assets: 1.69% ($820.3 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2011)
Dollar figures in thousands
10Total employees (full-time equivalent)
$48,541Total assets
$3,041Cash and due from depository institutions
$793Interest-bearing balances
$13,749Securities
$750Federal funds sold & reverse repurchase agreements
$28,304Net loans & leases
$158Loan loss allowance
$0Trading account assets
$687Bank premises and fixed assets
$125Other real estate owned
$0Goodwill and other intangibles
$48,541Life insurance assets
$1,885All other assets
$42,212Total liabilities and capital
$42,052Total liabilities
$41,810Total deposits
$42,052Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$160Subordinated debt
$6,329All other liabilities
$6,329Total equity capital
$6,329Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$6,329Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$570Income earned, not collected on loans
$0Earning assets
$101Long-term assets (5+ years)
$43,596Average Assets, year-to-date
$39,720Average Assets, quarterly
$48,679Volatile liabilities
$49,516Insider loans
$16,832FHLB advances
$49,593Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,286Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$785Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,955Total interest income
$453Total interest expense
$1,502Net interest income
$101Provision for loan and lease losses
-$50Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
-$50Additional noninterest income
$1,509Total noninterest expense
$699Salaries and employee benefits
$323Premises and equipment expense
$487Additional noninterest expense
-$158Pre-tax net operating income
-$16Securities gains (losses)
-$56Applicable income taxes
-$118Income before extraordinary items
$0Extraordinary gains - net
-$118Net income attributable to bank
$0Net charge-offs
-$118Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.51%Yield on earning assets
1.05%Cost of funding earning assets
3.47%Net interest margin
-0.12%Noninterest income to earning assets
3.48%Noninterest expense to earning assets
-0.22%Net operating income to assets
-0.24%Return on assets (ROA)
-0.36%Pretax return on assets
-1.92%Return on equity (ROE)
-1.92%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
103,926Assets per employee
4.85%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.56%Loss allowance to noncurrent loans
27.72%Noncurrent assets plus other real estate owned to assets
1.43%Noncurrent loans to loans
2.00%Net loans and leases to deposits
67.31%Net loans and leases to core deposits
69.65%Equity capital to assets
13.04%Core capital (leverage) ratio
12.68%Tier 1 risk-based capital ratio
37.35%Total risk-based capital ratio
Memoranda
$38Average assets
$48,679Average earning assets
$6,143Average equity
$43,313Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
41445
Pulaski Savings Bank
3156 S Morgan St, Chicago, IL 60608
January 01, 1890
Full Service Brick and Mortar
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