FDIC Certificate #: 12402 Status: Active Federal Reserve ID: 769334 Bank Holding Company (Regulatory Top Holder): Lanark Bancshares, Inc. (RSSDID: 1204430, Location: Lanark, IL) Date Established: April 06, 1878 WWW:http://www.lanarkbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13579 FDIC's unique #: 7890 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: April 30, 2010 Last Structure Change Process Date: June 17, 2010 Last Data Update: June 17, 2010 Data Source Date: April 05, 2012
Location
Address: 126 North Broad Street, Lanark, IL 61046 County: Carroll Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Princeton Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Central
Financial Summary
Total assets: $78.3 mil Equity capital: $7.4 mil Deposits held in domestic offices: $67.0 mil Return on assets (ROA): 1.24% ($1.0 mil) Quarterly return on assets: 0.89% ($0.7 mil) Return on Equity (ROE): 14.36% ($1.0 mil) Quarterly return on equity: 9.66% ($0.7 mil) Net income: $1.0 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.25% ($978.7 mil) Quarterly Pretax return on assets: 0.90% ($704.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$78,295Total assets
$542Cash and due from depository institutions
$199Interest-bearing balances
$42,148Securities
$0Federal funds sold & reverse repurchase agreements
$32,517Net loans & leases
$526Loan loss allowance
$0Trading account assets
$431Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$78,295Life insurance assets
$2,657All other assets
$70,906Total liabilities and capital
$66,994Total liabilities
$59,872Total deposits
$66,994Interest-bearing deposits
$90Deposits held in domestic offices
617.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,182Trading liabilities
$0Other borrowed funds
$113Subordinated debt
$7,389All other liabilities
$7,389Total equity capital
$7,389Total bank equity capital
$0Perpetual preferred stock
$400Common stock
$3,005Surplus
$3,984Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$44Income earned, not collected on loans
$0Earning assets
$515Long-term assets (5+ years)
$74,864Average Assets, year-to-date
$35,408Average Assets, quarterly
$77,732Volatile liabilities
$79,281Insider loans
$42,567FHLB advances
$79,303Loans and leases held for sale
$1,180Unused loan commitments
$577Tier 1 (core) risk-based capital
$6,269Tier 2 risk-based capital
$0Total risk weighted assets
$603Total unused commitments
$4,236Restructured Loans and leases
$1,223Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,995Total interest income
$709Total interest expense
$2,286Net interest income
$0Provision for loan and lease losses
$279Total noninterest income
$0Fiduciary activities
$62Service charges on deposit accounts
$0Trading account gains & fees
$217Additional noninterest income
$1,679Total noninterest expense
$1,086Salaries and employee benefits
$125Premises and equipment expense
$468Additional noninterest expense
$886Pre-tax net operating income
$89Securities gains (losses)
$11Applicable income taxes
$964Income before extraordinary items
$0Extraordinary gains - net
$964Net income attributable to bank
$0Net charge-offs
$964Cash dividends
-$26Sale, conversion, retirement of capital stock, net
$809Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.12%Yield on earning assets
0.98%Cost of funding earning assets
3.14%Net interest margin
0.38%Noninterest income to earning assets
2.31%Noninterest expense to earning assets
1.13%Net operating income to assets
1.24%Return on assets (ROA)
1.25%Pretax return on assets
14.36%Return on equity (ROE)
2.31%Retained earnings to average equity (YTD only)
-0.08%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
65,458Assets per employee
4.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.92%Loss allowance to loans
1.59%Loss allowance to noncurrent loans
1195.45%Noncurrent assets plus other real estate owned to assets
0.06%Noncurrent loans to loans
0.13%Net loans and leases to deposits
48.54%Net loans and leases to core deposits
50.51%Equity capital to assets
9.44%Core capital (leverage) ratio
7.91%Tier 1 risk-based capital ratio
14.73%Total risk-based capital ratio
Memoranda
$16Average assets
$77,732Average earning assets
$6,711Average equity
$72,713Average loans
List of branches
1 Illinois Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7890
Exchange State Bank
126 North Broad Street, Lanark, IL 61046
April 06, 1878
Full Service Brick and Mortar
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