The First National Bank of McHenry in Mchenry, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank of McHenry - Overview

  • General
  • FDIC Certificate #: 20081
    Status: Active
    Federal Reserve ID: 231336
    Bank Holding Company (Regulatory Top Holder): First Mchenry Corporation (RSSDID: 1204065, Location: Mchenry, IL)
    Date Established: November 28, 1969
    WWW: http://www.firstmchenry.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 13795
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: November 28, 1969
    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: 3814 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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $152.9 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $135.0 mil
    Return on assets (ROA): 0.62% ($0.9 mil)
    Quarterly return on assets: 0.63% ($1.0 mil)
    Return on Equity (ROE): 6.34% ($1.0 mil)
    Quarterly return on equity: 6.45% ($1.0 mil)
    Net income: $0.9 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.81% ($1,238.7 mil)
    Quarterly Pretax return on assets: 0.79% ($1,208.2 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
  • 37Total employees (full-time equivalent)
  • $152,931Total assets
  • $1,610Cash and due from depository institutions
  • $60Interest-bearing balances
  • $79,776Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $62,741Net loans & leases
  • $916Loan loss allowance
  • $0Trading account assets
  • $5,550Bank premises and fixed assets
  • $1,093Other real estate owned
  • $0Goodwill and other intangibles
  • $152,931Life insurance assets
  • $2,161All other assets
  • $137,950Total liabilities and capital
  • $134,990Total liabilities
  • $96,840Total deposits
  • $134,990Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 326.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,800Trading liabilities
  • $0Other borrowed funds
  • $834Subordinated debt
  • $14,981All other liabilities
  • $14,981Total equity capital
  • $14,981Total bank equity capital
  • $0Perpetual preferred stock
  • $670Common stock
  • $885Surplus
  • $13,426Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,278Income earned, not collected on loans
  • $0Earning assets
  • $802Long-term assets (5+ years)
  • $142,577Average Assets, year-to-date
  • $71,813Average Assets, quarterly
  • $148,856Volatile liabilities
  • $153,093Insider loans
  • $77,083FHLB advances
  • $153,500Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,072Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,627Restructured Loans and leases
  • $959Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,879Total interest income
  • $912Total interest expense
  • $4,967Net interest income
  • $55Provision for loan and lease losses
  • $690Total noninterest income
  • $0Fiduciary activities
  • $331Service charges on deposit accounts
  • $0Trading account gains & fees
  • $359Additional noninterest income
  • $4,543Total noninterest expense
  • $1,827Salaries and employee benefits
  • $855Premises and equipment expense
  • $1,861Additional noninterest expense
  • $1,059Pre-tax net operating income
  • $145Securities gains (losses)
  • $287Applicable income taxes
  • $917Income before extraordinary items
  • $0Extraordinary gains - net
  • $917Net income attributable to bank
  • $0Net charge-offs
  • $917Cash dividends
  • $281Sale, conversion, retirement of capital stock, net
  • $315Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.27%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.30%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.81%Pretax return on assets
  • 6.34%Return on equity (ROE)
  • 4.16%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 19.57%Credit loss provision to net charge-offs
  • 3.96%Efficiency ratio
  • 80,308Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.35%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 71.67%Noncurrent assets plus other real estate owned to assets
  • 1.55%Noncurrent loans to loans
  • 2.01%Net loans and leases to deposits
  • 46.48%Net loans and leases to core deposits
  • 49.64%Equity capital to assets
  • 9.80%Core capital (leverage) ratio
  • 9.17%Tier 1 risk-based capital ratio
  • 18.26%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $148,856Average earning assets
  • $14,464Average equity
  • $137,537Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013795The First National Bank Of Mchenry3814 West Elm Street, Mchenry, IL 60050November 28, 1969Full Service Brick and Mortar
    1250256Island Lake Banking Center Facility660 East State Road, Island Lake, IL 60042November 14, 1983Full Service Brick and Mortar
    2250257South Prairie Branch612 South Route 31, Mchenry, IL 60050December 01, 1991Full Service Brick and Mortar
    3447951Richmond Banking Center Branch9705 Prairie Ridge Road, Richmond, IL 60071December 19, 2005Full Service Brick and Mortar

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