State Bank in city_name, state_name - Detailed Financial Reports, Location

State Bank in Wonder Lake, Illinois (IL)
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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

No	ID	Name	Address	Established	Service Type
0	16073	State Bank	7526 Hancock Drive, Wonder Lake, IL 60097	October 22, 1979	Full Service Brick and Mortar
1	255722	Thompson Road Facility	Thompson Road And Shady Lane, Wonder Lake, IL 60097	June 04, 1981	Full Service Brick and Mortar
2	255723	Johnsburg Facility	3503 North Chapel Hill Road, Johnsburg, IL 60050	May 01, 1984	Full Service Brick and Mortar
3	255724	Spring Grove Branch	Route 12 And Meyer Road, Spring Grove, IL 60081	December 14, 1992	Full Service Brick and Mortar
4	359290	Lakemoor Branch	500 Route 120, Lakemoor, IL 60050	November 21, 2000	Full Service Brick and Mortar
5	489803	Hebron Branch	9600 Main Street, Hebron, IL 60034	July 05, 2008	Full Service Brick and Mortar

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

State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

State Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

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