Illinois State Bank in Lake In The Hills, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 30, 2005

  • Illinois State Bank in Lake In The Hills, Illinois (IL)
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Illinois State Bank - Overview

  • General
  • FDIC Certificate #: 34238
    Status: Inactive
    Closing history: Participated in Reorganization
    Acquiring institution: North Shore Bank, FSB (#28679)
    Federal Reserve ID: 2500773
    Date Established: September 19, 1996
    WWW: http://www.illinoisstatebank.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 14727
    FDIC's unique #: 56997
    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: September 19, 1996
    Last Structure Change Effective Date: November 30, 2005
    Last Structure Change Process Date: January 27, 2006
    Last Data Update: January 27, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1301 Pyott Road, Lake In The Hills, IL 60102
    County: Mchenry
    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
  • Merger - Without Assistance
    Participated in Reorganization
  • Financial Summary
  • Total assets: $132.8 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, 2004)

  • Dollar figures in thousands
  • 27Total employees (full-time equivalent)
  • $129,234Total assets
  • $2,209Cash and due from depository institutions
  • $1,064Interest-bearing balances
  • $22,890Securities
  • $1,005Federal funds sold & reverse repurchase agreements
  • $95,249Net loans & leases
  • $852Loan loss allowance
  • $0Trading account assets
  • $5,806Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,075All other assets
  • $129,234Total liabilities and capital
  • $117,854Total liabilities
  • $110,625Total deposits
  • $104,513Interest-bearing deposits
  • $110,625Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $6,601Other borrowed funds
  • $0Subordinated debt
  • $628All other liabilities
  • $11,380Total equity capital
  • $11,380Total bank equity capital
  • $11,380Perpetual preferred stock
  • $0Common stock
  • $2,625Surplus
  • $7,945Undivided profits
  • Memoranda
  • $810Noncurrent loans and leases
  • $17,921Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $427Average Assets, year-to-date
  • $120,208Average Assets, quarterly
  • $12,676Volatile liabilities
  • $110,551Insider loans
  • $124,819FHLB advances
  • $37,711Loans and leases held for sale
  • $2,136Unused loan commitments
  • $6,601Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $17,921Total unused commitments
  • $0Restructured Loans and leases
  • $852Derivatives

Income and Expense (December 31, 2004)

  • Dollar figures in thousands
  • $5,826Total interest income
  • $2,728Total interest expense
  • $3,098Net interest income
  • $153Provision for loan and lease losses
  • $293Total noninterest income
  • $0Fiduciary activities
  • $141Service charges on deposit accounts
  • $0Trading account gains & fees
  • $152Additional noninterest income
  • $2,449Total noninterest expense
  • $1,558Salaries and employee benefits
  • $324Premises and equipment expense
  • $567Additional noninterest expense
  • $789Pre-tax net operating income
  • $0Securities gains (losses)
  • $268Applicable income taxes
  • $521Income before extraordinary items
  • $0Extraordinary gains - net
  • $521Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $82Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2004)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.74%Yield on earning assets
  • 2.69%Cost of funding earning assets
  • 3.05%Net interest margin
  • 0.29%Noninterest income to earning assets
  • 2.41%Noninterest expense to earning assets
  • 0.47%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.71%Pretax return on assets
  • 4.71%Return on equity (ROE)
  • 4.71%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 186.59%Credit loss provision to net charge-offs
  • 11.49%Efficiency ratio
  • 72,221Assets per employee
  • 4.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.89%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 86.10%Net loans and leases to core deposits
  • 128.86%Equity capital to assets
  • 8.81%Core capital (leverage) ratio
  • 9.05%Tier 1 risk-based capital ratio
  • 10.75%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $110,551Average earning assets
  • $11,054Average equity
  • $101,456Average loans

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