Suburban Federal Savings, a Federal Savings Bank in Flossmoor, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 24, 1998

  • Suburban Federal Savings, a Federal Savings Bank in Flossmoor, Illinois (IL)
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Suburban Federal Savings, a Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 27988
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Citizens Financial Bank (#29367)
    Federal Reserve ID: 909578
    Date Established: January 01, 1911
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 684
    FDIC's unique #: 40822
    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: November 30, 1934
    Last Structure Change Effective Date: July 24, 1998
    Last Structure Change Process Date: October 08, 1998
    Last Data Update: October 08, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 3301 Vollmer Road, Flossmoor, IL 60422
    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: $451.5 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 169Total employees (full-time equivalent)
  • $435,472Total assets
  • $8,140Cash and due from depository institutions
  • $4,279Interest-bearing balances
  • $121,148Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $293,586Net loans & leases
  • $708Loan loss allowance
  • $0Trading account assets
  • $5,044Bank premises and fixed assets
  • $135Other real estate owned
  • $191Goodwill and other intangibles
  • $0Life insurance assets
  • $7,228All other assets
  • $435,472Total liabilities and capital
  • $409,237Total liabilities
  • $320,546Total deposits
  • $308,583Interest-bearing deposits
  • $320,546Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $3,844Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $81,281Other borrowed funds
  • $0Subordinated debt
  • $3,566All other liabilities
  • $26,235Total equity capital
  • $26,235Total bank equity capital
  • $26,235Perpetual preferred stock
  • $0Common stock
  • $9Surplus
  • $4,150Undivided profits
  • Memoranda
  • $22,076Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,778Earning assets
  • $0Long-term assets (5+ years)
  • $1,847Average Assets, year-to-date
  • $419,013Average Assets, quarterly
  • $0Volatile liabilities
  • $419,210Insider loans
  • $432,684FHLB advances
  • $115,983Loans and leases held for sale
  • $1,286Unused loan commitments
  • $76,200Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $30,462Total unused commitments
  • $0Restructured Loans and leases
  • $196,442Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $29,748Total interest income
  • $18,500Total interest expense
  • $11,248Net interest income
  • $180Provision for loan and lease losses
  • $2,657Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,657Additional noninterest income
  • $9,802Total noninterest expense
  • $5,460Salaries and employee benefits
  • $2,228Premises and equipment expense
  • $2,114Additional noninterest expense
  • $3,923Pre-tax net operating income
  • $34Securities gains (losses)
  • $1,399Applicable income taxes
  • $2,558Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,558Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$179Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.36%Yield on earning assets
  • 4.58%Cost of funding earning assets
  • 2.78%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 2.43%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 10.38%Return on equity (ROE)
  • 10.38%Retained earnings to average equity (YTD only)
  • -0.07%Net charge-offs to loans
  • -100.56%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 70,205Assets per employee
  • 2.58%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.24%Loss allowance to noncurrent loans
  • 39.82%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 91.59%Net loans and leases to core deposits
  • 101.35%Equity capital to assets
  • 6.02%Core capital (leverage) ratio
  • 5.99%Tier 1 risk-based capital ratio
  • 13.28%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $419,210Average earning assets
  • $24,635Average equity
  • $403,986Average loans

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