DuPage National Bank in West Chicago, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • DuPage National Bank in West Chicago, Illinois (IL)
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DuPage National Bank - Overview

  • General
  • FDIC Certificate #: 5732
    Status: Active
    Federal Reserve ID: 424343
    Bank Holding Company (Regulatory Top Holder): F.F. Holding Corp. (RSSDID: 1201653, Location: Chicago, IL)
    Date Established: August 29, 1891
    WWW: http://www.dnbonline.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 14600
    FDIC's unique #: 3907
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 Main Street, West Chicago, IL 60185
    County: Dupage
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $68.5 mil
    Equity capital: $0.1 mil
    Deposits held in domestic offices: $67.7 mil
    Return on assets (ROA): -3.53% (-$2.4 mil)
    Quarterly return on assets: -7.95% (-$5.4 mil)
    Return on Equity (ROE): -150.02% (-$0.0 mil)
    Quarterly return on equity: -667.55% (-$0.0 mil)
    Net income: -$2.7 mil
    Quarterly Net income: -$1.4 mil
    Pretax return on assets: -3.53% (-$2,418.0 mil)
    Quarterly Pretax return on assets: -7.95% (-$5,445.7 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, 2011)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $68,499Total assets
  • $10,113Cash and due from depository institutions
  • $8,524Interest-bearing balances
  • $9,054Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $41,567Net loans & leases
  • $1,840Loan loss allowance
  • $0Trading account assets
  • $2,070Bank premises and fixed assets
  • $2,843Other real estate owned
  • $0Goodwill and other intangibles
  • $68,498Life insurance assets
  • $2,852All other assets
  • $68,363Total liabilities and capital
  • $67,736Total liabilities
  • $54,492Total deposits
  • $67,736Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $60Trading liabilities
  • $0Other borrowed funds
  • $567Subordinated debt
  • $135All other liabilities
  • $135Total equity capital
  • $135Total bank equity capital
  • $0Perpetual preferred stock
  • $250Common stock
  • $3,700Surplus
  • $-3,815Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,059Income earned, not collected on loans
  • $0Earning assets
  • $2,059Long-term assets (5+ years)
  • $59,145Average Assets, year-to-date
  • $1,631Average Assets, quarterly
  • $75,914Volatile liabilities
  • $69,974Insider loans
  • $49,581FHLB advances
  • $76,672Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $99Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,035Restructured Loans and leases
  • $127Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,574Total interest income
  • $476Total interest expense
  • $2,098Net interest income
  • $239Provision for loan and lease losses
  • $299Total noninterest income
  • $10Fiduciary activities
  • $138Service charges on deposit accounts
  • $0Trading account gains & fees
  • $151Additional noninterest income
  • $4,841Total noninterest expense
  • $1,604Salaries and employee benefits
  • $504Premises and equipment expense
  • $2,733Additional noninterest expense
  • -$2,683Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$2,683Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,683Net income attributable to bank
  • $0Net charge-offs
  • -$2,683Cash dividends
  • $1,418Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.99%Yield on earning assets
  • 0.74%Cost of funding earning assets
  • 3.25%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 7.51%Noninterest expense to earning assets
  • -3.53%Net operating income to assets
  • -3.53%Return on assets (ROA)
  • -3.53%Pretax return on assets
  • -150.02%Return on equity (ROE)
  • -150.02%Retained earnings to average equity (YTD only)
  • 2.85%Net charge-offs to loans
  • 16.85%Credit loss provision to net charge-offs
  • -1.72%Efficiency ratio
  • 201,961Assets per employee
  • 2.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.24%Loss allowance to noncurrent loans
  • 22.83%Noncurrent assets plus other real estate owned to assets
  • 15.92%Noncurrent loans to loans
  • 18.57%Net loans and leases to deposits
  • 61.37%Net loans and leases to core deposits
  • 64.74%Equity capital to assets
  • 0.20%Core capital (leverage) ratio
  • 0.13%Tier 1 risk-based capital ratio
  • 0.20%Total risk-based capital ratio
  • Memoranda
  • $0Average assets
  • $75,914Average earning assets
  • $1,788Average equity
  • $64,456Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03907Dupage National Bank101 Main Street, West Chicago, IL 60185August 29, 1891Full Service Brick and Mortar
    1208074Roosevelt Road Facility105 East Roosevelt Road, West Chicago, IL 60185December 20, 1982Full Service Brick and Mortar
    2442544Hinsdale Branch101 Chestnut, Hinsdale, IL 60521August 01, 2004Full Service Brick and Mortar

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