Village Bank and Trust in Arlington Heights, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Village Bank and Trust - Overview

  • General
  • FDIC Certificate #: 34011
    Status: Active
    Federal Reserve ID: 2298995
    Bank Holding Company (Regulatory Top Holder): Wintrust Financial Corporation (RSSDID: 2260406, Location: Lake Forest, IL)
    Date Established: May 08, 1995
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 55589
    Numeric code: 13
    Regulator: FED
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: May 08, 1995
    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: 234 West Northwest Highway, Arlington Heights, IL 60004
    County: Cook
    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: $908.2 mil
    Equity capital: $112.5 mil
    Deposits held in domestic offices: $728.0 mil
    Return on assets (ROA): 0.65% ($5.9 mil)
    Quarterly return on assets: 0.67% ($6.1 mil)
    Return on Equity (ROE): 4.91% ($5.5 mil)
    Quarterly return on equity: 5.22% ($5.8 mil)
    Net income: $5.4 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.09% ($9,899.5 mil)
    Quarterly Pretax return on assets: 1.09% ($9,899.5 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
  • 110Total employees (full-time equivalent)
  • $908,211Total assets
  • $66,537Cash and due from depository institutions
  • $57,840Interest-bearing balances
  • $90,969Securities
  • $5,300Federal funds sold & reverse repurchase agreements
  • $620,186Net loans & leases
  • $5,036Loan loss allowance
  • $0Trading account assets
  • $18,537Bank premises and fixed assets
  • $1,695Other real estate owned
  • $34,792Goodwill and other intangibles
  • $908,211Life insurance assets
  • $70,195All other assets
  • $795,759Total liabilities and capital
  • $728,015Total liabilities
  • $649,236Total deposits
  • $728,015Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 42739.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $17,000Trading liabilities
  • $0Other borrowed funds
  • $8,005Subordinated debt
  • $112,452All other liabilities
  • $112,452Total equity capital
  • $112,452Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $109,874Surplus
  • $1,578Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,969Income earned, not collected on loans
  • $0Earning assets
  • $2,942Long-term assets (5+ years)
  • $774,295Average Assets, year-to-date
  • $151,526Average Assets, quarterly
  • $824,254Volatile liabilities
  • $876,944Insider loans
  • $707,533FHLB advances
  • $866,117Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $77,692Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $106,564Restructured Loans and leases
  • $2,132Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $32,704Total interest income
  • $6,901Total interest expense
  • $25,803Net interest income
  • $4,707Provision for loan and lease losses
  • $2,754Total noninterest income
  • $0Fiduciary activities
  • $904Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,850Additional noninterest income
  • $14,949Total noninterest expense
  • $7,370Salaries and employee benefits
  • $1,218Premises and equipment expense
  • $6,361Additional noninterest expense
  • $8,901Pre-tax net operating income
  • $114Securities gains (losses)
  • $3,620Applicable income taxes
  • $5,395Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,395Net income attributable to bank
  • $0Net charge-offs
  • $5,395Cash dividends
  • $5,713Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 0.95%Cost of funding earning assets
  • 3.57%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 2.07%Noninterest expense to earning assets
  • 0.65%Net operating income to assets
  • 0.65%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 4.91%Return on equity (ROE)
  • 4.91%Retained earnings to average equity (YTD only)
  • 1.02%Net charge-offs to loans
  • 82.39%Credit loss provision to net charge-offs
  • 2.38%Efficiency ratio
  • 50,902Assets per employee
  • 8.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 126.88%Noncurrent assets plus other real estate owned to assets
  • 0.62%Noncurrent loans to loans
  • 0.63%Net loans and leases to deposits
  • 85.19%Net loans and leases to core deposits
  • 101.20%Equity capital to assets
  • 12.38%Core capital (leverage) ratio
  • 8.97%Tier 1 risk-based capital ratio
  • 10.98%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $824,254Average earning assets
  • $109,982Average equity
  • $722,756Average loans

List of branches

  • 4 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    055589Village Bank And Trust234 West Northwest Highway, Arlington Heights, IL 60004May 08, 1995Full Service Brick and Mortar
    1360449Prospect Heights Banking Center Bran1845 East Rand Road, Prospect Heights, IL 60070Febuary 14, 2000Full Service Retail
    255560Midtown Banking Center Branch311 South Arlington Heights Road, Arlington Heights, IL 60005Febuary 13, 1995Full Service Brick and Mortar
    3361305Uptown Banking Center Branch150 East Rand Road, Arlington Heights, IL 60004November 06, 2000Full Service Brick and Mortar

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