Home > McHenry State Bank > Assets and Liabilities
McHenry State Bank, Assets and Liabilities
| 1997-12-31 | Rank | |
| # of Employees: | 130 | 1,359 |
| Assets and Liabilities | ||
| Total Assets: | $435,863,000 | 1,087 |
| Cash and due from depository institutions | $17,389,000 | 1,359 |
| Interest-bearing balances | $0 | 6,604 |
| Securities | $146,441,000 | 817 |
| Federal funds sold & reverse repurchase agreements | $18,000,000 | 733 |
| Net loans & leases | $238,911,000 | 1,231 |
| Loan loss allowance | $3,400,000 | 1,123 |
| Trading account assets | $0 | 203 |
| Bank premises and fixed assets | $9,281,000 | 796 |
| Other real estate owned | $0 | 1,359 |
| Goodwill and other intangibles | $0 | 3,571 |
| All other assets | $5,841,000 | 1,326 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $435,863,000 | 1,087 |
| Total liabilities | $382,435,000 | 1,117 |
| Total deposits | $377,006,000 | 1,007 |
| Interest-bearing deposits | $320,549,000 | 1,011 |
| Deposits held in domestic offices | $377,006,000 | 999 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $919,000 | 2,729 |
| Trading liabilities | $0 | 80 |
| Other borrowed funds | $0 | 5,103 |
| Subordinated debt | $0 | 260 |
| All other liabilities | $4,510,000 | 1,090 |
| Total equity capital | $53,428,000 | 860 |
| Total bank equity capital | $53,428,000 | 860 |
| Perpetual preferred stock | $0 | 223 |
| Common stock | $3,200,000 | 1,119 |
| Surplus | $32,000,000 | 600 |
| Undivided profits | $18,228,000 | 1,426 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,380,000 | 1,887 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,731 |
| Income earned, not collected on loans | $1,062,000 | 2,131 |
| Earning assets | $403,352,000 | 1,077 |
| Long-term assets (5+ years) | $168,700,000 | 477 |
| Average Assets, year-to-date | $442,296,600 | 1,027 |
| Average Assets, quarterly | $436,522,000 | 1,072 |
| Volatile liabilities | $53,155,000 | 1,346 |
| Insider loans | $722,000 | 4,410 |
| FHLB advances | $0 | 780 |
| Loans and leases held for sale | $0 | 1,579 |
| Unused loan commitments | $32,534,000 | 1,473 |
| Tier 1 (core) risk-based capital | $51,107,000 | 833 |
| Tier 2 risk-based capital | $2,917,750 | 1,093 |
| Total risk weighted assets | $232,937,950 | 1,219 |
| Total unused commitments | $32,534,000 | 1,476 |
| Derivatives | $0 | 533 |
| 1996-12-31 | Rank | |
| # of Employees: | 162 | 1,146 |
| Assets and Liabilities | ||
| Total Assets: | $455,713,000 | 1,081 |
| Cash and due from depository institutions | $11,567,000 | 1,146 |
| Interest-bearing balances | $0 | 6,640 |
| Securities | $165,629,000 | 754 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,460 |
| Net loans & leases | $264,224,000 | 1,144 |
| Loan loss allowance | $2,054,000 | 1,851 |
| Trading account assets | $0 | 240 |
| Bank premises and fixed assets | $9,870,000 | 768 |
| Other real estate owned | $160,000 | 1,146 |
| Goodwill and other intangibles | $0 | 3,437 |
| All other assets | $4,263,000 | 1,811 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $455,713,000 | 1,081 |
| Total liabilities | $405,736,000 | 1,092 |
| Total deposits | $376,624,000 | 1,041 |
| Interest-bearing deposits | $325,479,000 | 1,037 |
| Deposits held in domestic offices | $376,624,000 | 1,033 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $25,098,000 | 720 |
| Trading liabilities | $0 | 97 |
| Other borrowed funds | $0 | 5,299 |
| Subordinated debt | $0 | 298 |
| All other liabilities | $4,014,000 | 1,177 |
| Total equity capital | $49,977,000 | 922 |
| Total bank equity capital | $49,977,000 | 922 |
| Perpetual preferred stock | $0 | 250 |
| Common stock | $3,200,000 | 1,173 |
| Surplus | $32,000,000 | 625 |
| Undivided profits | $14,777,000 | 1,738 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,838,000 | 904 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,832 |
| Income earned, not collected on loans | $1,185,000 | 1,882 |
| Earning assets | $429,853,000 | 1,046 |
| Long-term assets (5+ years) | $173,385,000 | 466 |
| Average Assets, year-to-date | $454,078,000 | 1,039 |
| Average Assets, quarterly | $451,145,500 | 1,076 |
| Volatile liabilities | $73,792,000 | 1,066 |
| Insider loans | $657,000 | 4,770 |
| FHLB advances | $0 | 882 |
| Loans and leases held for sale | $0 | 1,560 |
| Unused loan commitments | $32,598,000 | 1,442 |
| Tier 1 (core) risk-based capital | $48,443,000 | 899 |
| Tier 2 risk-based capital | $2,054,000 | 1,549 |
| Total risk weighted assets | $246,105,800 | 1,201 |
| Total unused commitments | $32,598,000 | 1,450 |
| Derivatives | $0 | 549 |
| 1995-12-31 | Rank | |
| # of Employees: | 159 | 1,199 |
| Assets and Liabilities | ||
| Total Assets: | $454,031,000 | 1,088 |
| Cash and due from depository institutions | $15,418,000 | 1,199 |
| Interest-bearing balances | $0 | 6,853 |
| Securities | $146,546,000 | 872 |
| Federal funds sold & reverse repurchase agreements | $0 | 9,298 |
| Net loans & leases | $276,855,000 | 1,084 |
| Loan loss allowance | $2,058,000 | 1,886 |
| Trading account assets | $0 | 261 |
| Bank premises and fixed assets | $9,738,000 | 766 |
| Other real estate owned | $947,000 | 1,199 |
| Goodwill and other intangibles | $0 | 3,181 |
| All other assets | $4,527,000 | 1,766 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $454,031,000 | 1,088 |
| Total liabilities | $406,490,000 | 1,095 |
| Total deposits | $386,162,000 | 1,032 |
| Interest-bearing deposits | $333,468,000 | 1,045 |
| Deposits held in domestic offices | $386,162,000 | 1,021 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $15,187,000 | 900 |
| Trading liabilities | $0 | 110 |
| Other borrowed funds | $0 | 5,136 |
| Subordinated debt | $0 | 337 |
| All other liabilities | $5,141,000 | 1,020 |
| Total equity capital | $47,541,000 | 987 |
| Total bank equity capital | $47,541,000 | 987 |
| Perpetual preferred stock | $0 | 288 |
| Common stock | $3,200,000 | 1,185 |
| Surplus | $32,000,000 | 634 |
| Undivided profits | $12,341,000 | 2,110 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $943,000 | 2,754 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $218,000 | 556 |
| Income earned, not collected on loans | $1,558,000 | 1,435 |
| Earning assets | $423,401,000 | 1,071 |
| Long-term assets (5+ years) | $131,070,000 | 549 |
| Average Assets, year-to-date | $439,571,400 | 1,089 |
| Average Assets, quarterly | $449,952,500 | 1,085 |
| Volatile liabilities | $70,362,000 | 1,026 |
| Insider loans | $694,000 | 4,721 |
| FHLB advances | $0 | 855 |
| Loans and leases held for sale | $0 | 1,606 |
| Unused loan commitments | $26,527,000 | 1,639 |
| Tier 1 (core) risk-based capital | $45,302,000 | 985 |
| Tier 2 risk-based capital | $2,058,000 | 1,539 |
| Total risk weighted assets | $249,644,200 | 1,180 |
| Total unused commitments | $26,527,000 | 1,650 |
| Derivatives | $0 | 628 |
| 1994-12-31 | Rank | |
| # of Employees: | 174 | 1,128 |
| Assets and Liabilities | ||
| Total Assets: | $441,387,000 | 1,082 |
| Cash and due from depository institutions | $14,637,000 | 1,128 |
| Interest-bearing balances | $0 | 7,034 |
| Securities | $148,624,000 | 894 |
| Federal funds sold & reverse repurchase agreements | $0 | 8,397 |
| Net loans & leases | $259,983,000 | 1,106 |
| Loan loss allowance | $2,185,000 | 1,830 |
| Trading account assets | $0 | 286 |
| Bank premises and fixed assets | $9,680,000 | 755 |
| Other real estate owned | $277,000 | 1,128 |
| Goodwill and other intangibles | $0 | 3,133 |
| All other assets | $8,186,000 | 1,131 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $441,387,000 | 1,082 |
| Total liabilities | $399,423,000 | 1,089 |
| Total deposits | $373,632,000 | 1,027 |
| Interest-bearing deposits | $323,734,000 | 1,043 |
| Deposits held in domestic offices | $373,632,000 | 1,017 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $22,802,000 | 828 |
| Trading liabilities | $0 | 87 |
| Other borrowed funds | $0 | 5,375 |
| Subordinated debt | $0 | 372 |
| All other liabilities | $2,989,000 | 1,306 |
| Total equity capital | $41,964,000 | 1,002 |
| Total bank equity capital | $41,964,000 | 1,002 |
| Perpetual preferred stock | $0 | 310 |
| Common stock | $3,200,000 | 1,202 |
| Surplus | $32,000,000 | 590 |
| Undivided profits | $6,764,000 | 3,323 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $1,566,000 | 1,886 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1,752 |
| Income earned, not collected on loans | $1,689,000 | 1,145 |
| Earning assets | $408,607,000 | 1,068 |
| Long-term assets (5+ years) | $126,674,000 | 559 |
| Average Assets, year-to-date | $428,091,000 | 1,074 |
| Average Assets, quarterly | $439,197,500 | 1,075 |
| Volatile liabilities | $59,665,000 | 1,124 |
| Insider loans | $753,000 | 4,461 |
| FHLB advances | $0 | 993 |
| Loans and leases held for sale | $0 | 1,430 |
| Unused loan commitments | $35,107,000 | 1,280 |
| Tier 1 (core) risk-based capital | $42,442,000 | 984 |
| Tier 2 risk-based capital | $2,185,000 | 1,460 |
| Total risk weighted assets | $230,557,100 | 1,236 |
| Total unused commitments | $35,107,000 | 1,288 |
| Derivatives | $0 | 687 |
| 1993-12-31 | Rank | |
| # of Employees: | 174 | 1,184 |
| Assets and Liabilities | ||
| Total Assets: | $420,717,000 | 1,140 |
| Cash and due from depository institutions | $20,409,000 | 1,184 |
| Interest-bearing balances | $0 | 7,655 |
| Securities | $124,333,000 | 1,109 |
| Federal funds sold & reverse repurchase agreements | $0 | 10,345 |
| Net loans & leases | $261,010,000 | 1,080 |
| Loan loss allowance | $1,653,000 | 2,410 |
| Trading account assets | $0 | 330 |
| Bank premises and fixed assets | $10,116,000 | 721 |
| Other real estate owned | $299,000 | 1,184 |
| Goodwill and other intangibles | $0 | 3,091 |
| All other assets | $4,550,000 | 1,696 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $420,717,000 | 1,140 |
| Total liabilities | $381,427,000 | 1,152 |
| Total deposits | $371,891,000 | 1,070 |
| Interest-bearing deposits | $321,627,000 | 1,080 |
| Deposits held in domestic offices | $371,891,000 | 1,059 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $7,356,000 | 1,233 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,027 |
| Subordinated debt | $0 | 413 |
| All other liabilities | $2,180,000 | 1,687 |
| Total equity capital | $39,290,000 | 1,058 |
| Total bank equity capital | $39,290,000 | 1,058 |
| Perpetual preferred stock | $0 | 343 |
| Common stock | $3,200,000 | 1,199 |
| Surplus | $27,000,000 | 637 |
| Undivided profits | $9,090,000 | 2,608 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $5,270,000 | 934 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $671,000 | 193 |
| Income earned, not collected on loans | $1,773,000 | 972 |
| Earning assets | $385,343,000 | 1,145 |
| Long-term assets (5+ years) | $102,861,000 | 658 |
| Average Assets, year-to-date | $407,840,600 | 1,136 |
| Average Assets, quarterly | $418,127,000 | 1,132 |
| Volatile liabilities | $28,661,000 | 1,792 |
| Insider loans | $796,000 | 4,379 |
| FHLB advances | $0 | 821 |
| Loans and leases held for sale | $0 | 1,681 |
| Unused loan commitments | $25,236,000 | 1,614 |
| Tier 1 (core) risk-based capital | $39,290,000 | 1,025 |
| Tier 2 risk-based capital | $1,653,000 | 1,855 |
| Total risk weighted assets | $223,541,500 | 1,251 |
| Total unused commitments | $25,236,000 | 1,638 |
| Derivatives | $0 | 714 |
| 1992-12-31 | Rank | |
| # of Employees: | 150 | 1,446 |
| Assets and Liabilities | ||
| Total Assets: | $394,632,000 | 1,236 |
| Cash and due from depository institutions | $17,633,000 | 1,446 |
| Interest-bearing balances | $0 | 8,059 |
| Securities | $127,160,000 | 1,061 |
| Federal funds sold & reverse repurchase agreements | $1,000,000 | 8,669 |
| Net loans & leases | $233,912,000 | 1,230 |
| Loan loss allowance | $1,591,000 | 2,571 |
| Trading account assets | $0 | 344 |
| Bank premises and fixed assets | $10,038,000 | 728 |
| Other real estate owned | $147,000 | 1,446 |
| Goodwill and other intangibles | $0 | 3,106 |
| All other assets | $4,742,000 | 1,730 |
| Life insurance assets | $0 | 1 |
| Total liabilities and capital | $394,632,000 | 1,236 |
| Total liabilities | $360,049,000 | 1,248 |
| Total deposits | $347,180,000 | 1,191 |
| Interest-bearing deposits | $303,095,000 | 1,210 |
| Deposits held in domestic offices | $347,180,000 | 1,182 |
| % insured | 0.00% | 1 |
| Federal funds purchased & repurchase agreements | $10,310,000 | 983 |
| Trading liabilities | $0 | 1 |
| Other borrowed funds | $0 | 5,085 |
| Subordinated debt | $0 | 482 |
| All other liabilities | $2,559,000 | 1,547 |
| Total equity capital | $34,583,000 | 1,136 |
| Total bank equity capital | $34,583,000 | 1,136 |
| Perpetual preferred stock | $0 | 346 |
| Common stock | $3,200,000 | 1,220 |
| Surplus | $22,000,000 | 732 |
| Undivided profits | $9,383,000 | 2,347 |
| Noncontrolling interests in consolidated subsidiaries | $0 | 1 |
| Memoranda | ||
| Noncurrent loans and leases | $3,425,000 | 1,518 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 | 1 |
| Income earned, not collected on loans | $1,789,000 | 1,067 |
| Earning assets | $362,072,000 | 1,238 |
| Long-term assets (5+ years) | $80,300,000 | 770 |
| Average Assets, year-to-date | $381,090,200 | 1,260 |
| Average Assets, quarterly | $391,704,500 | 1,249 |
| Volatile liabilities | $36,824,000 | 1,474 |
| Insider loans | $940,000 | 907 |
| FHLB advances | $0 | 832 |
| Loans and leases held for sale | $0 | 1,207 |
| Unused loan commitments | $25,940,000 | 1,514 |
| Tier 1 (core) risk-based capital | $34,583,000 | 1,112 |
| Tier 2 risk-based capital | $1,591,000 | 1,961 |
| Total risk weighted assets | $201,324,700 | 1,438 |
| Total unused commitments | $25,940,000 | 1,526 |
| Derivatives | $0 | 651 |