Exchange State Bank in Lanark, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Exchange State Bank - Overview

  • General
  • FDIC Certificate #: 12402
    Status: Active
    Federal Reserve ID: 769334
    Bank Holding Company (Regulatory Top Holder): Lanark Bancshares, Inc. (RSSDID: 1204430, Location: Lanark, IL)
    Date Established: April 06, 1878
    WWW: http://www.lanarkbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13579
    FDIC's unique #: 7890
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: April 30, 2010
    Last Structure Change Process Date: June 17, 2010
    Last Data Update: June 17, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 126 North Broad Street, Lanark, IL 61046
    County: Carroll
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Princeton
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • Financial Summary
  • Total assets: $78.3 mil
    Equity capital: $7.4 mil
    Deposits held in domestic offices: $67.0 mil
    Return on assets (ROA): 1.24% ($1.0 mil)
    Quarterly return on assets: 0.89% ($0.7 mil)
    Return on Equity (ROE): 14.36% ($1.0 mil)
    Quarterly return on equity: 9.66% ($0.7 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.25% ($978.7 mil)
    Quarterly Pretax return on assets: 0.90% ($704.7 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
  • 17Total employees (full-time equivalent)
  • $78,295Total assets
  • $542Cash and due from depository institutions
  • $199Interest-bearing balances
  • $42,148Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $32,517Net loans & leases
  • $526Loan loss allowance
  • $0Trading account assets
  • $431Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $78,295Life insurance assets
  • $2,657All other assets
  • $70,906Total liabilities and capital
  • $66,994Total liabilities
  • $59,872Total deposits
  • $66,994Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 617.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,182Trading liabilities
  • $0Other borrowed funds
  • $113Subordinated debt
  • $7,389All other liabilities
  • $7,389Total equity capital
  • $7,389Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $3,005Surplus
  • $3,984Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $44Income earned, not collected on loans
  • $0Earning assets
  • $515Long-term assets (5+ years)
  • $74,864Average Assets, year-to-date
  • $35,408Average Assets, quarterly
  • $77,732Volatile liabilities
  • $79,281Insider loans
  • $42,567FHLB advances
  • $79,303Loans and leases held for sale
  • $1,180Unused loan commitments
  • $577Tier 1 (core) risk-based capital
  • $6,269Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $603Total unused commitments
  • $4,236Restructured Loans and leases
  • $1,223Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,995Total interest income
  • $709Total interest expense
  • $2,286Net interest income
  • $0Provision for loan and lease losses
  • $279Total noninterest income
  • $0Fiduciary activities
  • $62Service charges on deposit accounts
  • $0Trading account gains & fees
  • $217Additional noninterest income
  • $1,679Total noninterest expense
  • $1,086Salaries and employee benefits
  • $125Premises and equipment expense
  • $468Additional noninterest expense
  • $886Pre-tax net operating income
  • $89Securities gains (losses)
  • $11Applicable income taxes
  • $964Income before extraordinary items
  • $0Extraordinary gains - net
  • $964Net income attributable to bank
  • $0Net charge-offs
  • $964Cash dividends
  • -$26Sale, conversion, retirement of capital stock, net
  • $809Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.12%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.14%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 2.31%Noninterest expense to earning assets
  • 1.13%Net operating income to assets
  • 1.24%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 14.36%Return on equity (ROE)
  • 2.31%Retained earnings to average equity (YTD only)
  • -0.08%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 65,458Assets per employee
  • 4.61%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.92%Loss allowance to loans
  • 1.59%Loss allowance to noncurrent loans
  • 1195.45%Noncurrent assets plus other real estate owned to assets
  • 0.06%Noncurrent loans to loans
  • 0.13%Net loans and leases to deposits
  • 48.54%Net loans and leases to core deposits
  • 50.51%Equity capital to assets
  • 9.44%Core capital (leverage) ratio
  • 7.91%Tier 1 risk-based capital ratio
  • 14.73%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $77,732Average earning assets
  • $6,711Average equity
  • $72,713Average loans

List of branches

  • 1 Illinois Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07890Exchange State Bank126 North Broad Street, Lanark, IL 61046April 06, 1878Full Service Brick and Mortar

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