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

This bank is inactive as of Febuary 23, 1998

  • McHenry State Bank in Mchenry, Illinois (IL)
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McHenry State Bank - Overview

  • General
  • FDIC Certificate #: 5752
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Midwest Bank (#3709)
    Federal Reserve ID: 414232
    Date Established: January 01, 1906
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 3924
    Numeric code: 13
    Regulator: FED
    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: January 01, 1934
    Last Structure Change Effective Date: Febuary 23, 1998
    Last Structure Change Process Date: April 09, 1998
    Last Data Update: April 09, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 3510 West Elm Street, 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: $435.9 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 130Total employees (full-time equivalent)
  • $435,863Total assets
  • $17,389Cash and due from depository institutions
  • $0Interest-bearing balances
  • $146,441Securities
  • $18,000Federal funds sold & reverse repurchase agreements
  • $238,911Net loans & leases
  • $3,400Loan loss allowance
  • $0Trading account assets
  • $9,281Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $5,841All other assets
  • $435,863Total liabilities and capital
  • $382,435Total liabilities
  • $377,006Total deposits
  • $320,549Interest-bearing deposits
  • $377,006Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $919Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $4,510All other liabilities
  • $53,428Total equity capital
  • $53,428Total bank equity capital
  • $53,428Perpetual preferred stock
  • $0Common stock
  • $3,200Surplus
  • $32,000Undivided profits
  • Memoranda
  • $18,228Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,380Earning assets
  • $0Long-term assets (5+ years)
  • $1,062Average Assets, year-to-date
  • $403,352Average Assets, quarterly
  • $168,700Volatile liabilities
  • $442,297Insider loans
  • $436,522FHLB advances
  • $53,155Loans and leases held for sale
  • $722Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $32,534Total unused commitments
  • $0Restructured Loans and leases
  • $232,938Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $31,025Total interest income
  • $15,218Total interest expense
  • $15,807Net interest income
  • $1,406Provision for loan and lease losses
  • $3,179Total noninterest income
  • $736Fiduciary activities
  • $474Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,969Additional noninterest income
  • $10,019Total noninterest expense
  • $5,743Salaries and employee benefits
  • $1,490Premises and equipment expense
  • $2,786Additional noninterest expense
  • $7,561Pre-tax net operating income
  • $24Securities gains (losses)
  • $1,721Applicable income taxes
  • $5,864Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,864Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $60Sale, conversion, retirement of capital stock, net
  • $3,200Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.45%Yield on earning assets
  • 3.65%Cost of funding earning assets
  • 3.79%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 2.41%Noninterest expense to earning assets
  • 1.32%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 11.38%Return on equity (ROE)
  • 5.17%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 2343.33%Credit loss provision to net charge-offs
  • 149.45%Efficiency ratio
  • 52,770Assets per employee
  • 3.35%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 54.57%Loss allowance to loans
  • 1.40%Loss allowance to noncurrent loans
  • 246.38%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 63.37%Net loans and leases to core deposits
  • 73.56%Equity capital to assets
  • 12.26%Core capital (leverage) ratio
  • 11.78%Tier 1 risk-based capital ratio
  • 21.94%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $442,297Average earning assets
  • $51,529Average equity
  • $416,542Average loans

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