Fox Lake State Bank in Fox Lake, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 14, 1995

  • Fox Lake State Bank in Fox Lake, Illinois (IL)
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Fox Lake State Bank - Overview

  • General
  • FDIC Certificate #: 17387
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Firstar Bank Illinois (#14280)
    Federal Reserve ID: 603139
    Date Established: January 15, 1955
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 11388
    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: January 15, 1955
    Last Structure Change Effective Date: August 14, 1995
    Last Structure Change Process Date: September 06, 1995
    Last Data Update: September 06, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 55 East Grand Avenue, Fox Lake, IL 60020
    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: $85.4 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)
  • $28Total assets
  • $87,270Cash and due from depository institutions
  • $4,205Interest-bearing balances
  • $0Securities
  • $24,772Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $53,262Loan loss allowance
  • $648Trading account assets
  • $0Bank premises and fixed assets
  • $2,277Other real estate owned
  • $0Goodwill and other intangibles
  • $536Life insurance assets
  • $2,218All other assets
  • $0Total liabilities and capital
  • $87,270Total liabilities
  • $78,731Total deposits
  • $76,563Interest-bearing deposits
  • $65,452Deposits held in domestic offices
  • 76563.00%% insured (estimated)
  • $99Federal funds purchased & repurchase agreements
  • $1,950Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $218Total equity capital
  • $218Total bank equity capital
  • $8,539Perpetual preferred stock
  • $0Common stock
  • $180Surplus
  • $7,731Undivided profits
  • Memoranda
  • $628Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $889Income earned, not collected on loans
  • $217Earning assets
  • $78,034Long-term assets (5+ years)
  • $5,076Average Assets, year-to-date
  • $90,486Average Assets, quarterly
  • $90,364Volatile liabilities
  • $5,211Insider loans
  • $2,440FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $12,335Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,327Total risk weighted assets
  • $59,983Total unused commitments
  • $0Restructured Loans and leases
  • $3,445Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $5,626Total interest expense
  • $2,136Net interest income
  • $3,490Provision for loan and lease losses
  • $205Total noninterest income
  • $599Fiduciary activities
  • $0Service charges on deposit accounts
  • $402Trading account gains & fees
  • $0Additional noninterest income
  • $197Total noninterest expense
  • $2,540Salaries and employee benefits
  • $986Premises and equipment expense
  • $319Additional noninterest expense
  • $1,235Pre-tax net operating income
  • $1,344Securities gains (losses)
  • -$435Applicable income taxes
  • $271Income before extraordinary items
  • $638Extraordinary gains - net
  • $0Net income attributable to bank
  • $638Net charge-offs
  • $174Cash dividends
  • $1,261Sale, 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
  • 2.64%Net interest margin
  • 4.31%Noninterest income to earning assets
  • 0.74%Noninterest expense to earning assets
  • 3.14%Net operating income to assets
  • 1.04%Return on assets (ROA)
  • 0.71%Pretax return on assets
  • 1.00%Return on equity (ROE)
  • 7.19%Retained earnings to average equity (YTD only)
  • -7.02%Net charge-offs to loans
  • 0.33%Credit loss provision to net charge-offs
  • 117.82%Efficiency ratio
  • 56,738Assets per employee
  • 3.12%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 197.65%Loss allowance to loans
  • 1.20%Loss allowance to noncurrent loans
  • 72.89%Noncurrent assets plus other real estate owned to assets
  • 1.02%Noncurrent loans to loans
  • 1.65%Net loans and leases to deposits
  • 69.57%Net loans and leases to core deposits
  • 72.66%Equity capital to assets
  • 9.78%Core capital (leverage) ratio
  • 7.05%Tier 1 risk-based capital ratio
  • 10.55%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $90,486Average earning assets
  • $8,869Average equity
  • $80,943Average loans

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