First Colonial Bank of McHenry County in city_name, state_name

First Colonial Bank of McHenry County in Crystal Lake, Illinois (IL)
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First Colonial Bank of McHenry County - Overview

General
FDIC Certificate #: 33507
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Firstar Bank Illinois (#14280)
Federal Reserve ID: 1900657
Date Established: October 11, 1991
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 47255
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: October 11, 1991
Last Structure Change Effective Date: July 10, 1995
Last Structure Change Process Date: July 18, 1995
Last Data Update: July 18, 1995
Data Source Date: April 05, 2012
Location
Address: 350 Commonwealth Drive, Crystal Lake, IL 60014
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)
Financial Summary
Total assets: $37.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$14Total assets
$52,390Cash and due from depository institutions
$1,465Interest-bearing balances
$0Securities
$19,696Federal funds sold & reverse repurchase agreements
$1,800Net loans & leases
$25,965Loan loss allowance
$316Trading account assets
$0Bank premises and fixed assets
$2,314Other real estate owned
$596Goodwill and other intangibles
$554Life insurance assets
$0All other assets
$0Total liabilities and capital
$52,390Total liabilities
$47,569Total deposits
$47,387Interest-bearing deposits
$41,213Deposits held in domestic offices
47387.00%% insured (estimated)
$63Federal funds purchased & repurchase agreements
$100Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$82Total equity capital
$82Total bank equity capital
$4,821Perpetual preferred stock
$0Common stock
$350Surplus
$4,761Undivided profits
Memoranda
$-290Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$125Earning assets
$47,461Long-term assets (5+ years)
$3,907Average Assets, year-to-date
$44,541Average Assets, quarterly
$50,464Volatile liabilities
$5,879Insider loans
$1,254FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,510Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$4,832Total risk weighted assets
$30,575Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$2,733Total interest expense
$1,368Net interest income
$1,365Provision for loan and lease losses
$112Total noninterest income
$183Fiduciary activities
$0Service charges on deposit accounts
$165Trading account gains & fees
$0Additional noninterest income
$18Total noninterest expense
$1,265Salaries and employee benefits
$498Premises and equipment expense
$258Additional noninterest expense
$509Pre-tax net operating income
$171Securities gains (losses)
-$149Applicable income taxes
-$36Income before extraordinary items
$58Extraordinary gains - net
$0Net income attributable to bank
$58Net charge-offs
$41Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
6.95%Cost of funding earning assets
3.48%Net interest margin
3.47%Noninterest income to earning assets
0.47%Noninterest expense to earning assets
3.22%Net operating income to assets
0.46%Return on assets (ROA)
0.13%Pretax return on assets
0.05%Return on equity (ROE)
1.26%Retained earnings to average equity (YTD only)
1.26%Net charge-offs to loans
0.17%Credit loss provision to net charge-offs
273.17%Efficiency ratio
81,718Assets per employee
3.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.20%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
1.14%Noncurrent loans to loans
0.00%Net loans and leases to deposits
54.79%Net loans and leases to core deposits
62.40%Equity capital to assets
9.20%Core capital (leverage) ratio
9.61%Tier 1 risk-based capital ratio
15.80%Total risk-based capital ratio
Memoranda
$17Average assets
$44,541Average earning assets
$4,595Average equity
$39,336Average loans

First Colonial Bank of McHenry County in Crystal Lake, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Colonial Bank of McHenry County - Overview

Assets and Liabilities (December 31, 1994)

Income and Expense (December 31, 1994)

Performance and Condition Ratios (December 31, 1994)

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

First Colonial Bank of McHenry County in Crystal Lake, Illinois (IL)Overview, Financial Summary, Detailed Financial Reports, Branches

First Colonial Bank of McHenry County - Overview

Assets and Liabilities (December 31, 1994)

Income and Expense (December 31, 1994)

Performance and Condition Ratios (December 31, 1994)

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

First Colonial Bank of McHenry County in Crystal Lake, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches