Anchor Bank in Third Lake, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 06, 2003

  • Anchor Bank in Third Lake, Illinois (IL)
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Anchor Bank - Overview

  • General
  • FDIC Certificate #: 33467
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State Financial Bank, National Association (#3753)
    Federal Reserve ID: 1887486
    Date Established: July 18, 1991
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 47173
    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: July 18, 1991
    Last Structure Change Effective Date: December 06, 2003
    Last Structure Change Process Date: January 14, 2004
    Last Data Update: January 14, 2004
    Data Source Date: April 05, 2012
  • Location
  • Address: 34354 North Highway 45, Third Lake, IL 60046
    County: Lake
    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: Lake County-Kenosha County, IL-WI (#29404)
  • Financial Summary
  • Total assets: $93.6 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, 2002)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $79,100Total assets
  • $2,850Cash and due from depository institutions
  • $77Interest-bearing balances
  • $5,266Securities
  • $3,850Federal funds sold & reverse repurchase agreements
  • $62,548Net loans & leases
  • $511Loan loss allowance
  • $0Trading account assets
  • $1,565Bank premises and fixed assets
  • $0Other real estate owned
  • $2,187Goodwill and other intangibles
  • $0Life insurance assets
  • $834All other assets
  • $79,100Total liabilities and capital
  • $70,678Total liabilities
  • $64,144Total deposits
  • $54,532Interest-bearing deposits
  • $64,144Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $5,500Other borrowed funds
  • $0Subordinated debt
  • $1,034All other liabilities
  • $8,422Total equity capital
  • $8,422Total bank equity capital
  • $8,422Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $6,974Undivided profits
  • Memoranda
  • $1,148Noncurrent loans and leases
  • $5,988Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5Earning assets
  • $0Long-term assets (5+ years)
  • $317Average Assets, year-to-date
  • $71,741Average Assets, quarterly
  • $4,003Volatile liabilities
  • $77,076Insider loans
  • $77,925FHLB advances
  • $7,664Loans and leases held for sale
  • $203Unused loan commitments
  • $5,500Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,988Total unused commitments
  • $0Restructured Loans and leases
  • $511Derivatives

Income and Expense (December 31, 2002)

  • Dollar figures in thousands
  • $5,325Total interest income
  • $2,241Total interest expense
  • $3,084Net interest income
  • $144Provision for loan and lease losses
  • $301Total noninterest income
  • $0Fiduciary activities
  • $276Service charges on deposit accounts
  • $0Trading account gains & fees
  • $25Additional noninterest income
  • $2,412Total noninterest expense
  • $1,187Salaries and employee benefits
  • $386Premises and equipment expense
  • $839Additional noninterest expense
  • $829Pre-tax net operating income
  • $11Securities gains (losses)
  • $285Applicable income taxes
  • $555Income before extraordinary items
  • $0Extraordinary gains - net
  • $555Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $51Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2002)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.55%Yield on earning assets
  • 3.18%Cost of funding earning assets
  • 4.37%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.42%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.72%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 6.97%Return on equity (ROE)
  • 6.97%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 282.35%Credit loss provision to net charge-offs
  • 19.08%Efficiency ratio
  • 68,922Assets per employee
  • 3.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 10220.00%Noncurrent assets plus other real estate owned to assets
  • 0.01%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 97.51%Net loans and leases to core deposits
  • 110.74%Equity capital to assets
  • 10.65%Core capital (leverage) ratio
  • 8.20%Tier 1 risk-based capital ratio
  • 9.79%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $77,076Average earning assets
  • $7,964Average equity
  • $70,561Average loans

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