State Bank and Trust in North Barrington, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 2006

  • State Bank and Trust in North Barrington, Illinois (IL)
  • Show street view No street view available for this location

State Bank and Trust - Overview

  • General
  • FDIC Certificate #: 34750
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Mount Prospect National Bank (#34547)
    Federal Reserve ID: 2688390
    Date Established: October 13, 1998
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 61522
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 13, 1998
    Last Structure Change Effective Date: July 01, 2006
    Last Structure Change Process Date: October 16, 2006
    Last Data Update: October 16, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 444 North Rand Road, North Barrington, IL 60010
    County: Lake
    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: Lake County-Kenosha County, IL-WI (#29404)
  • Financial Summary
  • Total assets: $153.8 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, 2005)

  • Dollar figures in thousands
  • 28Total employees (full-time equivalent)
  • $148,859Total assets
  • $3,223Cash and due from depository institutions
  • $1,023Interest-bearing balances
  • $22,643Securities
  • $990Federal funds sold & reverse repurchase agreements
  • $113,495Net loans & leases
  • $1,553Loan loss allowance
  • $0Trading account assets
  • $3,572Bank premises and fixed assets
  • $0Other real estate owned
  • $1,398Goodwill and other intangibles
  • $0Life insurance assets
  • $3,538All other assets
  • $148,859Total liabilities and capital
  • $136,155Total liabilities
  • $133,832Total deposits
  • $117,960Interest-bearing deposits
  • $133,832Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $687Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $1,636All other liabilities
  • $12,704Total equity capital
  • $12,704Total bank equity capital
  • $12,704Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $8,500Undivided profits
  • Memoranda
  • $3,204Noncurrent loans and leases
  • $35,407Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $127Earning assets
  • $0Long-term assets (5+ years)
  • $721Average Assets, year-to-date
  • $138,151Average Assets, quarterly
  • $8,744Volatile liabilities
  • $146,919Insider loans
  • $148,000FHLB advances
  • $65,679Loans and leases held for sale
  • $2,604Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $35,407Total unused commitments
  • $0Restructured Loans and leases
  • $1,435Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $8,050Total interest income
  • $2,895Total interest expense
  • $5,155Net interest income
  • $80Provision for loan and lease losses
  • $557Total noninterest income
  • $0Fiduciary activities
  • $228Service charges on deposit accounts
  • $0Trading account gains & fees
  • $329Additional noninterest income
  • $3,710Total noninterest expense
  • $2,201Salaries and employee benefits
  • $331Premises and equipment expense
  • $1,178Additional noninterest expense
  • $1,922Pre-tax net operating income
  • $0Securities gains (losses)
  • $669Applicable income taxes
  • $1,253Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,253Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • -$12Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.89%Yield on earning assets
  • 2.12%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.41%Noninterest income to earning assets
  • 2.71%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.85%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 10.40%Return on equity (ROE)
  • 10.40%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -666.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 64,951Assets per employee
  • 5.32%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.35%Loss allowance to noncurrent loans
  • 1222.83%Noncurrent assets plus other real estate owned to assets
  • 0.09%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 84.80%Net loans and leases to core deposits
  • 164.87%Equity capital to assets
  • 8.53%Core capital (leverage) ratio
  • 7.80%Tier 1 risk-based capital ratio
  • 10.08%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $146,919Average earning assets
  • $12,045Average equity
  • $136,651Average loans

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

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with State Bank and Trust.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents