This institution is no longer active

Operations ceased on November 30, 2005. CRA examination history below reflects the period it was active.

ILLINOIS STATE BANK

LAKE IN THE HILLS, IL · Supervised by FDIC

Est. 1996FDIC #34,238RSSD: FDIC-34238

Satisfactory Same

Current rating · Exam: July 2003

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.44%

Institution Profile

FDIC BankFind

Address

1301 Pyott Road, LAKE IN THE HILLS, IL

County

Mchenry County

Established

September 19, 1996

Total Assets

$133M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2003

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 22 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2005Call Report / FDIC

Total Assets

$133M

Total Deposits

$114M

Net Loans

$104M

Net Income

$442K

ROA

0.44%

ROE

5.10%

Risk-Based Capital

11.26%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 1998

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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