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)
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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
    WWW: http://www.statebat.com
    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

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