First Colonial Bank of DuPage County in Naperville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 09, 1995

  • First Colonial Bank of DuPage County in Naperville, Illinois (IL)
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First Colonial Bank of DuPage County - Overview

  • General
  • FDIC Certificate #: 20755
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Firstar Bank Illinois (#14280)
    Federal Reserve ID: 872533
    Date Established: July 27, 1972
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 14333
    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: July 27, 1972
    Last Structure Change Effective Date: April 09, 1995
    Last Structure Change Process Date: May 12, 1995
    Last Data Update: May 12, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 1971 Gowdey Road, Naperville, IL 60563
    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)
  • Financial Summary
  • Total assets: $63.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $28Total assets
  • $61,867Cash and due from depository institutions
  • $3,762Interest-bearing balances
  • $0Securities
  • $16,772Federal funds sold & reverse repurchase agreements
  • $2,520Net loans & leases
  • $35,139Loan loss allowance
  • $448Trading account assets
  • $0Bank premises and fixed assets
  • $2,149Other real estate owned
  • $684Goodwill and other intangibles
  • $841Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $61,867Total liabilities
  • $56,226Total deposits
  • $48,778Interest-bearing deposits
  • $37,444Deposits held in domestic offices
  • 48778.00%% insured (estimated)
  • $87Federal funds purchased & repurchase agreements
  • $300Trading liabilities
  • $0Other borrowed funds
  • $6,907Subordinated debt
  • $0All other liabilities
  • $241Total equity capital
  • $241Total bank equity capital
  • $5,641Perpetual preferred stock
  • $0Common stock
  • $660Surplus
  • $5,616Undivided profits
  • Memoranda
  • $-635Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $15Income earned, not collected on loans
  • $183Earning assets
  • $54,431Long-term assets (5+ years)
  • $5,210Average Assets, year-to-date
  • $57,747Average Assets, quarterly
  • $60,400Volatile liabilities
  • $8,224Insider loans
  • $842FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $10,083Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,642Total risk weighted assets
  • $43,256Total unused commitments
  • $0Restructured Loans and leases
  • $2,230Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,599Total interest expense
  • $1,455Net interest income
  • $2,144Provision for loan and lease losses
  • $80Total noninterest income
  • $664Fiduciary activities
  • $0Service charges on deposit accounts
  • $459Trading account gains & fees
  • $0Additional noninterest income
  • $205Total noninterest expense
  • $2,483Salaries and employee benefits
  • $1,006Premises and equipment expense
  • $597Additional noninterest expense
  • $880Pre-tax net operating income
  • $245Securities gains (losses)
  • -$19Applicable income taxes
  • -$24Income before extraordinary items
  • $250Extraordinary gains - net
  • $0Net income attributable to bank
  • $250Net charge-offs
  • $36Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.17%Cost of funding earning assets
  • 2.90%Net interest margin
  • 4.27%Noninterest income to earning assets
  • 1.32%Noninterest expense to earning assets
  • 4.95%Net operating income to assets
  • 0.47%Return on assets (ROA)
  • 0.43%Pretax return on assets
  • 0.39%Return on equity (ROE)
  • 4.53%Retained earnings to average equity (YTD only)
  • 4.53%Net charge-offs to loans
  • 0.11%Credit loss provision to net charge-offs
  • 222.22%Efficiency ratio
  • 88,426Assets per employee
  • 2.21%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.26%Loss allowance to noncurrent loans
  • 2986.67%Noncurrent assets plus other real estate owned to assets
  • 1.13%Noncurrent loans to loans
  • 0.04%Net loans and leases to deposits
  • 72.04%Net loans and leases to core deposits
  • 76.19%Equity capital to assets
  • 9.12%Core capital (leverage) ratio
  • 9.56%Tier 1 risk-based capital ratio
  • 13.04%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $57,747Average earning assets
  • $5,522Average equity
  • $50,191Average loans

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