FDIC Certificate #: 33566 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:State Financial Bank, National Association (#3753) Federal Reserve ID: 1948921 Date Established: Febuary 24, 1992 WWW:http://www.hawthornbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) OTS Docket #: 13464 FDIC's unique #: 47449 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: Febuary 24, 1992 Last Structure Change Effective Date: December 06, 2003 Last Structure Change Process Date: January 14, 2004 Last Data Update: January 14, 2004 Data Source Date: April 05, 2012
Location
Address: 208 Oak Creek Plaza, Mundelein, IL 60060 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: $41.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2002)
Dollar figures in thousands
15Total employees (full-time equivalent)
$40,973Total assets
$1,301Cash and due from depository institutions
$29Interest-bearing balances
$10,771Securities
$3,175Federal funds sold & reverse repurchase agreements
$23,677Net loans & leases
$388Loan loss allowance
$0Trading account assets
$1,464Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$585All other assets
$40,973Total liabilities and capital
$37,007Total liabilities
$36,101Total deposits
$30,727Interest-bearing deposits
$36,101Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$700Other borrowed funds
$0Subordinated debt
$206All other liabilities
$3,966Total equity capital
$3,966Total bank equity capital
$3,966Perpetual preferred stock
$0Common stock
$1,022Surplus
$3,163Undivided profits
Memoranda
$-219Noncurrent loans and leases
$2,709Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$56Earning assets
$0Long-term assets (5+ years)
$171Average Assets, year-to-date
$37,652Average Assets, quarterly
$570Volatile liabilities
$46,310Insider loans
$44,370FHLB advances
$9,304Loans and leases held for sale
$242Unused loan commitments
$700Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$2,709Total unused commitments
$0Restructured Loans and leases
$308Derivatives
Income and Expense (December 31, 2002)
Dollar figures in thousands
$2,353Total interest income
$790Total interest expense
$1,563Net interest income
$25Provision for loan and lease losses
$145Total noninterest income
$0Fiduciary activities
$94Service charges on deposit accounts
$0Trading account gains & fees
$51Additional noninterest income
$1,837Total noninterest expense
$1,026Salaries and employee benefits
$231Premises and equipment expense
$580Additional noninterest expense
-$154Pre-tax net operating income
$62Securities gains (losses)
-$84Applicable income taxes
-$8Income before extraordinary items
$0Extraordinary gains - net
-$8Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$18Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2002)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.53%Yield on earning assets
1.86%Cost of funding earning assets
3.67%Net interest margin
0.34%Noninterest income to earning assets
4.32%Noninterest expense to earning assets
-0.10%Net operating income to assets
-0.02%Return on assets (ROA)
-0.20%Pretax return on assets
-0.20%Return on equity (ROE)
-0.20%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
138.89%Credit loss provision to net charge-offs
-7.17%Efficiency ratio
107,553Assets per employee
2.73%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.61%Loss allowance to noncurrent loans
692.86%Noncurrent assets plus other real estate owned to assets
0.14%Noncurrent loans to loans
0.23%Net loans and leases to deposits
65.59%Net loans and leases to core deposits
87.06%Equity capital to assets
9.68%Core capital (leverage) ratio
8.89%Tier 1 risk-based capital ratio
15.97%Total risk-based capital ratio
Memoranda
$17Average assets
$46,310Average earning assets
$3,961Average equity
$42,543Average loans
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