First Dupage Bank in Westmont, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 23, 2009

  • First Dupage Bank in Westmont, Illinois (IL)
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First Dupage Bank - Overview

  • General
  • FDIC Certificate #: 35038
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: First Midwest Bank (#3709)
    Federal Reserve ID: 2755733
    Date Established: June 28, 1999
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 73862
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 28, 1999
    Last Structure Change Effective Date: October 23, 2009
    Last Structure Change Process Date: October 26, 2009
    Last Data Update: October 26, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 520 North Cass Avenue, Westmont, IL 60559
    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: $262.1 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, 2008)

  • Dollar figures in thousands
  • 26Total employees (full-time equivalent)
  • $312,260Total assets
  • $12,647Cash and due from depository institutions
  • $10,662Interest-bearing balances
  • $33,553Securities
  • $290Federal funds sold & reverse repurchase agreements
  • $249,652Net loans & leases
  • $10,500Loan loss allowance
  • $0Trading account assets
  • $3,184Bank premises and fixed assets
  • $3,174Other real estate owned
  • $17Goodwill and other intangibles
  • $5,095Life insurance assets
  • $9,743All other assets
  • $312,260Total liabilities and capital
  • $293,608Total liabilities
  • $276,995Total deposits
  • $267,878Interest-bearing deposits
  • $276,995Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $15,000Other borrowed funds
  • $0Subordinated debt
  • $1,613All other liabilities
  • $18,652Total equity capital
  • $18,652Total bank equity capital
  • $18,652Perpetual preferred stock
  • $0Common stock
  • $650Surplus
  • $24,122Undivided profits
  • Memoranda
  • $-6,120Noncurrent loans and leases
  • $30,633Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $28,576Earning assets
  • $0Long-term assets (5+ years)
  • $1,495Average Assets, year-to-date
  • $294,157Average Assets, quarterly
  • $48,248Volatile liabilities
  • $311,915Insider loans
  • $310,415FHLB advances
  • $39,177Loans and leases held for sale
  • $5,329Unused loan commitments
  • $15,000Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $30,633Total unused commitments
  • $9,072Restructured Loans and leases
  • $3,446Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $17,794Total interest income
  • $10,708Total interest expense
  • $7,086Net interest income
  • $11,324Provision for loan and lease losses
  • $345Total noninterest income
  • $0Fiduciary activities
  • $289Service charges on deposit accounts
  • $0Trading account gains & fees
  • $56Additional noninterest income
  • $7,074Total noninterest expense
  • $3,423Salaries and employee benefits
  • $479Premises and equipment expense
  • $3,172Additional noninterest expense
  • -$10,967Pre-tax net operating income
  • $430Securities gains (losses)
  • -$92Applicable income taxes
  • -$10,445Income before extraordinary items
  • $0Extraordinary gains - net
  • -$10,445Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $5,524Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.03%Yield on earning assets
  • 3.63%Cost of funding earning assets
  • 2.40%Net interest margin
  • 0.12%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • -3.49%Net operating income to assets
  • -3.35%Return on assets (ROA)
  • -3.38%Pretax return on assets
  • -40.00%Return on equity (ROE)
  • -41.54%Retained earnings to average equity (YTD only)
  • 2.10%Net charge-offs to loans
  • 205.00%Credit loss provision to net charge-offs
  • 0.06%Efficiency ratio
  • 95,196Assets per employee
  • 12.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • -3.83%Loss allowance to loans
  • 4.04%Loss allowance to noncurrent loans
  • 36.74%Noncurrent assets plus other real estate owned to assets
  • 10.17%Noncurrent loans to loans
  • 10.98%Net loans and leases to deposits
  • 90.13%Net loans and leases to core deposits
  • 104.98%Equity capital to assets
  • 5.97%Core capital (leverage) ratio
  • 6.29%Tier 1 risk-based capital ratio
  • 7.08%Total risk-based capital ratio
  • Memoranda
  • $8Average assets
  • $311,915Average earning assets
  • $26,109Average equity
  • $295,132Average loans

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