State Bank in Wonder Lake, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


State Bank - Overview

  • General
  • FDIC Certificate #: 22971
    Status: Active
    Federal Reserve ID: 285348
    Bank Holding Company (Regulatory Top Holder): Wonder Bancorp, Inc. (RSSDID: 1246328, Location: Wonder Lake, IL)
    Date Established: October 22, 1979
    WWW: http://www.thestatebankgroup.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 16073
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: 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: Mortgage Lending Specialization
    Date of Deposit Insurance: October 22, 1979
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 7526 Hancock Drive, Wonder Lake, IL 60097
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $174.6 mil
    Equity capital: $17.6 mil
    Deposits held in domestic offices: $156.5 mil
    Return on assets (ROA): -1.77% (-$3.1 mil)
    Quarterly return on assets: -0.68% (-$1.2 mil)
    Return on Equity (ROE): -16.81% (-$3.0 mil)
    Quarterly return on equity: -6.57% (-$1.2 mil)
    Net income: -$3.1 mil
    Quarterly Net income: -$0.3 mil
    Pretax return on assets: -1.77% (-$3,089.7 mil)
    Quarterly Pretax return on assets: -0.68% (-$1,187.0 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
  • 56Total employees (full-time equivalent)
  • $174,560Total assets
  • $19,141Cash and due from depository institutions
  • $11,767Interest-bearing balances
  • $35,821Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $105,398Net loans & leases
  • $3,181Loan loss allowance
  • $0Trading account assets
  • $5,624Bank premises and fixed assets
  • $3,187Other real estate owned
  • $0Goodwill and other intangibles
  • $174,560Life insurance assets
  • $5,389All other assets
  • $156,949Total liabilities and capital
  • $156,454Total liabilities
  • $131,197Total deposits
  • $156,454Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $495Subordinated debt
  • $17,611All other liabilities
  • $17,611Total equity capital
  • $17,611Total bank equity capital
  • $0Perpetual preferred stock
  • $320Common stock
  • $3,131Surplus
  • $14,160Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,517Income earned, not collected on loans
  • $0Earning assets
  • $462Long-term assets (5+ years)
  • $152,986Average Assets, year-to-date
  • $77,911Average Assets, quarterly
  • $177,384Volatile liabilities
  • $173,021Insider loans
  • $101,425FHLB advances
  • $173,553Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,242Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,859Restructured Loans and leases
  • $876Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,843Total interest income
  • $989Total interest expense
  • $5,854Net interest income
  • $3,296Provision for loan and lease losses
  • $931Total noninterest income
  • $0Fiduciary activities
  • $506Service charges on deposit accounts
  • $0Trading account gains & fees
  • $425Additional noninterest income
  • $6,626Total noninterest expense
  • $2,996Salaries and employee benefits
  • $771Premises and equipment expense
  • $2,859Additional noninterest expense
  • -$3,137Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$3,137Income before extraordinary items
  • $0Extraordinary gains - net
  • -$3,137Net income attributable to bank
  • $0Net charge-offs
  • -$3,137Cash dividends
  • $1,562Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 4.36%Noninterest expense to earning assets
  • -1.77%Net operating income to assets
  • -1.77%Return on assets (ROA)
  • -1.77%Pretax return on assets
  • -16.81%Return on equity (ROE)
  • -16.81%Retained earnings to average equity (YTD only)
  • 1.40%Net charge-offs to loans
  • 211.01%Credit loss provision to net charge-offs
  • 0.10%Efficiency ratio
  • 97,657Assets per employee
  • 3.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.93%Loss allowance to noncurrent loans
  • 37.35%Noncurrent assets plus other real estate owned to assets
  • 6.70%Noncurrent loans to loans
  • 7.84%Net loans and leases to deposits
  • 67.37%Net loans and leases to core deposits
  • 71.34%Equity capital to assets
  • 10.09%Core capital (leverage) ratio
  • 9.93%Tier 1 risk-based capital ratio
  • 17.00%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $177,384Average earning assets
  • $18,665Average equity
  • $152,005Average loans

List of branches

  • 6 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016073State Bank7526 Hancock Drive, Wonder Lake, IL 60097October 22, 1979Full Service Brick and Mortar
    1255722Thompson Road FacilityThompson Road And Shady Lane, Wonder Lake, IL 60097June 04, 1981Full Service Brick and Mortar
    2255723Johnsburg Facility3503 North Chapel Hill Road, Johnsburg, IL 60050May 01, 1984Full Service Brick and Mortar
    3255724Spring Grove BranchRoute 12 And Meyer Road, Spring Grove, IL 60081December 14, 1992Full Service Brick and Mortar
    4359290Lakemoor Branch500 Route 120, Lakemoor, IL 60050November 21, 2000Full Service Brick and Mortar
    5489803Hebron Branch9600 Main Street, Hebron, IL 60034July 05, 2008Full Service Brick and Mortar

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