McHenry Savings Bank in Mchenry, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


McHenry Savings Bank - Overview

  • General
  • FDIC Certificate #: 30864
    Status: Active
    Federal Reserve ID: 446877
    Date Established: January 01, 1955
    WWW: http://www.mchenrysavings.com
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 6031
    FDIC's unique #: 43698
    Numeric code: 41
    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: Consumer Lending Specialization
    Date of Deposit Insurance: June 12, 1957
    Last Structure Change Effective Date: April 03, 2012
    Last Structure Change Process Date: April 03, 2012
    Last Data Update: April 03, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 353 Bank Drive, Mchenry, IL 60050
    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)
  • Financial Summary
  • Total assets: $261.7 mil
    Equity capital: $9.9 mil
    Deposits held in domestic offices: $222.6 mil
    Return on assets (ROA): -0.75% (-$2.0 mil)
    Quarterly return on assets: -1.41% (-$3.7 mil)
    Return on Equity (ROE): -18.59% (-$1.9 mil)
    Quarterly return on equity: -35.62% (-$3.6 mil)
    Net income: -$2.0 mil
    Quarterly Net income: -$0.9 mil
    Pretax return on assets: -0.78% (-$2,040.9 mil)
    Quarterly Pretax return on assets: -1.41% (-$3,689.4 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
  • 71Total employees (full-time equivalent)
  • $261,658Total assets
  • $42,126Cash and due from depository institutions
  • $36,690Interest-bearing balances
  • $27,851Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $170,117Net loans & leases
  • $3,765Loan loss allowance
  • $0Trading account assets
  • $9,705Bank premises and fixed assets
  • $5,069Other real estate owned
  • $0Goodwill and other intangibles
  • $261,658Life insurance assets
  • $6,790All other assets
  • $251,768Total liabilities and capital
  • $222,602Total liabilities
  • $202,861Total deposits
  • $222,602Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $27,500Trading liabilities
  • $0Other borrowed funds
  • $1,666Subordinated debt
  • $9,890All other liabilities
  • $9,890Total equity capital
  • $9,890Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $7,140Surplus
  • $2,749Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,555Income earned, not collected on loans
  • $0Earning assets
  • $1,144Long-term assets (5+ years)
  • $234,658Average Assets, year-to-date
  • $79,746Average Assets, quarterly
  • $271,471Volatile liabilities
  • $259,803Insider loans
  • $165,684FHLB advances
  • $261,508Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,982Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,817Restructured Loans and leases
  • $244Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,527Total interest income
  • $3,063Total interest expense
  • $8,464Net interest income
  • $1,350Provision for loan and lease losses
  • $1,528Total noninterest income
  • $0Fiduciary activities
  • $604Service charges on deposit accounts
  • $0Trading account gains & fees
  • $924Additional noninterest income
  • $10,818Total noninterest expense
  • $4,021Salaries and employee benefits
  • $1,208Premises and equipment expense
  • $5,589Additional noninterest expense
  • -$2,176Pre-tax net operating income
  • $63Securities gains (losses)
  • -$88Applicable income taxes
  • -$2,025Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,025Net income attributable to bank
  • $0Net charge-offs
  • -$2,025Cash dividends
  • $544Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.33%Cost of funding earning assets
  • 3.69%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 4.71%Noninterest expense to earning assets
  • -0.77%Net operating income to assets
  • -0.75%Return on assets (ROA)
  • -0.78%Pretax return on assets
  • -18.59%Return on equity (ROE)
  • -18.59%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 248.16%Credit loss provision to net charge-offs
  • -1.52%Efficiency ratio
  • 108,267Assets per employee
  • 3.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.17%Loss allowance to noncurrent loans
  • 32.58%Noncurrent assets plus other real estate owned to assets
  • 6.35%Noncurrent loans to loans
  • 6.65%Net loans and leases to deposits
  • 76.42%Net loans and leases to core deposits
  • 83.62%Equity capital to assets
  • 3.78%Core capital (leverage) ratio
  • 3.82%Tier 1 risk-based capital ratio
  • 6.02%Total risk-based capital ratio
  • Memoranda
  • $7Average assets
  • $271,471Average earning assets
  • $10,894Average equity
  • $229,574Average loans

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043698Mchenry Savings Bank353 Bank Drive, Mchenry, IL 60050January 01, 1955Full Service Brick and Mortar
    128249010520 North Main St Branch10520 North Main Street, Richmond, IL 60071January 01, 1955Full Service Brick and Mortar
    10028249110402 North Vine St Branch10402 North Vine Street, Huntley, IL 60142January 01, 1955Full Service Brick and Mortar
    1012824924000-M N. Wilmot Road Branch4000-M N. Wilmot Road, Mchenry, IL 60050June 30, 1988Full Service Brick and Mortar
    102364134North Green Branch1209 North Green Street, Mchenry, IL 60050June 17, 2002Full Service Brick and Mortar

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