FDIC Certificate #: 34238 Status: Inactive Closing history: Participated in Reorganization Acquiring institution:North Shore Bank, FSB (#28679) Federal Reserve ID: 2500773 Date Established: September 19, 1996 WWW:http://www.illinoisstatebank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 14727 FDIC's unique #: 56997 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: September 19, 1996 Last Structure Change Effective Date: November 30, 2005 Last Structure Change Process Date: January 27, 2006 Last Data Update: January 27, 2006 Data Source Date: April 05, 2012
Location
Address: 1301 Pyott Road, Lake In The Hills, IL 60102 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
Merger - Without Assistance
Participated in Reorganization
Financial Summary
Total assets: $132.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
27Total employees (full-time equivalent)
$129,234Total assets
$2,209Cash and due from depository institutions
$1,064Interest-bearing balances
$22,890Securities
$1,005Federal funds sold & reverse repurchase agreements
$95,249Net loans & leases
$852Loan loss allowance
$0Trading account assets
$5,806Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,075All other assets
$129,234Total liabilities and capital
$117,854Total liabilities
$110,625Total deposits
$104,513Interest-bearing deposits
$110,625Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$6,601Other borrowed funds
$0Subordinated debt
$628All other liabilities
$11,380Total equity capital
$11,380Total bank equity capital
$11,380Perpetual preferred stock
$0Common stock
$2,625Surplus
$7,945Undivided profits
Memoranda
$810Noncurrent loans and leases
$17,921Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$0Long-term assets (5+ years)
$427Average Assets, year-to-date
$120,208Average Assets, quarterly
$12,676Volatile liabilities
$110,551Insider loans
$124,819FHLB advances
$37,711Loans and leases held for sale
$2,136Unused loan commitments
$6,601Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$17,921Total unused commitments
$0Restructured Loans and leases
$852Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$5,826Total interest income
$2,728Total interest expense
$3,098Net interest income
$153Provision for loan and lease losses
$293Total noninterest income
$0Fiduciary activities
$141Service charges on deposit accounts
$0Trading account gains & fees
$152Additional noninterest income
$2,449Total noninterest expense
$1,558Salaries and employee benefits
$324Premises and equipment expense
$567Additional noninterest expense
$789Pre-tax net operating income
$0Securities gains (losses)
$268Applicable income taxes
$521Income before extraordinary items
$0Extraordinary gains - net
$521Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$82Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.74%Yield on earning assets
2.69%Cost of funding earning assets
3.05%Net interest margin
0.29%Noninterest income to earning assets
2.41%Noninterest expense to earning assets
0.47%Net operating income to assets
0.47%Return on assets (ROA)
0.71%Pretax return on assets
4.71%Return on equity (ROE)
4.71%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
186.59%Credit loss provision to net charge-offs
11.49%Efficiency ratio
72,221Assets per employee
4.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.89%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
86.10%Net loans and leases to core deposits
128.86%Equity capital to assets
8.81%Core capital (leverage) ratio
9.05%Tier 1 risk-based capital ratio
10.75%Total risk-based capital ratio
Memoranda
$12Average assets
$110,551Average earning assets
$11,054Average equity
$101,456Average loans
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