West Suburban Bank in Lombard, Illinois (IL)

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West Suburban Bank
GeneralFDIC Certificate #: 18509
Status: Active
Federal Reserve ID: 375034
Bank Holding Company (Regulatory Top Holder): West Suburban Bancorp, Inc. (RSSDID: 1245705, Location: Lombard, IL)
Date Established: April 27, 1962
WWW: http://www.westsuburbanbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 44 (Domestic: 44, Interstate: No)
FDIC's unique #: 12401
Numeric code: 21
Regulator: FDIC
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: April 27, 1962
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: Febuary 23, 2011
Last Data Update: Febuary 23, 2011
Data Source Date: April 05, 2012
LocationAddress: 701-711 South Westmore Avenue, Lombard, IL 60148
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 ChangesMerge BIF and SAIF Funds into DIF
Name Change
Financial SummaryTotal assets: $1,927.7 mil
Equity capital: $162.7 mil
Deposits held in domestic offices: $1,744.7 mil
Return on assets (ROA): 0.42% ($8.1 mil)
Quarterly return on assets: 0.24% ($4.6 mil)
Return on Equity (ROE): 5.08% ($8.3 mil)
Quarterly return on equity: 2.78% ($4.5 mil)
Net income: $8.0 mil
Quarterly Net income: $1.1 mil
Pretax return on assets: 0.62% ($11,951.7 mil)
Quarterly Pretax return on assets: 0.29% ($5,590.3 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)
Total employees (full-time equivalent)425
Total assets$1,927,699
Cash and due from depository institutions$116,324
Interest-bearing balances$63,865
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$958,421
Loan loss allowance $25,724
Trading account assets$0
Bank premises and fixed assets$44,378
Other real estate owned$23,505
Goodwill and other intangibles$301
All other assets$71,610
Life insurance assets$1,927,699
Total liabilities and capital$1,765,010
Total liabilities$1,744,737
Total deposits$1,589,724
Interest-bearing deposits$1,744,737
Deposits held in domestic offices$93
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $20,273
All other liabilities $162,689
Total equity capital$162,689
Total bank equity capital$162,689
Perpetual preferred stock$0
Common stock$988
Undivided profits $87,880
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $53,344
Earning assets $0
Long-term assets (5+ years) $5,342
Average Assets, year-to-date $1,735,446
Average Assets, quarterly $559,448
Volatile liabilities $1,935,647
Insider loans $1,911,565
FHLB advances $1,271,115
Loans and leases held for sale $1,909,108
Unused loan commitments $32,618
Tier 1 (core) risk-based capital $11,801
Tier 2 risk-based capital $156,631
Total risk weighted assets $15,987
Total unused commitments $4,830
Restructured Loans and leases $308,906
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $68,179
Total interest expense $11,847
Net interest income $56,332
Provision for loan and lease losses $10,068
Total noninterest income $12,687
Fiduciary activities $125
Service charges on deposit accounts $3,976
Trading account gains & fees $0
Additional noninterest income $8,586
Total noninterest expense $54,894
Salaries and employee benefits $23,184
Premises and equipment expense $7,876
Additional noninterest expense $23,834
Pre-tax net operating income $4,057
Securities gains (losses) $7,982
Applicable income taxes $3,992
Income before extraordinary items $8,047
Extraordinary gains - net $0
Net income attributable to bank $8,047
Net charge-offs $0
Cash dividends $8,047
Sale, conversion, retirement of capital stock, net $12,416
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets3.91%
Cost of funding earning assets 0.68%
Net interest margin 3.23%
Noninterest income to earning assets 0.73%
Noninterest expense to earning assets 3.15%
Net operating income to assets 0.14%
Return on assets (ROA) 0.42%
Pretax return on assets 0.62%
Return on equity (ROE) 5.08%
Retained earnings to average equity (YTD only) 5.08%
Net charge-offs to loans 1.24%
Credit loss provision to net charge-offs 81.09%
Efficiency ratio1.14%
Assets per employee$79,535
Cash dividends to net income (YTD only)4.54%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.61%
Noncurrent assets plus other real estate owned to assets 48.22%
Noncurrent loans to loans 3.99%
Net loans and leases to deposits5.42%
Net loans and leases to core deposits 54.93%
Equity capital to assets 55.56%
Core capital (leverage) ratio 8.44%
Tier 1 risk-based capital ratio 8.20%
Total risk-based capital ratio 12.32%
Average assets$14
Average earning assets$1,935,647
Average equity $158,386
Average loans $1,742,219
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$26,333
Number of Accounts1
Personal trust and agency accounts$26,333
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$25,919
Corporate trust and agency accounts$0
Investment management agency accounts$414
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts3
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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44 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
012401West Suburban Bank701-711 South Westmore Avenue, Lombard, IL 60148April 27, 1962Full Service Brick and Mortar
2245530Villa Park Facility33 East St. Charles Road, Villa Park, IL 60181March 01, 1978Limited Service Retail
3245531Glendale Heights Facility1657 Bloomingdale Road, Glendale Heights, IL 60139December 01, 1984Full Service Brick and Mortar
4245532Financial Center717 South Meyers Road, Lombard, IL 60148June 01, 1983Limited Service Facility
6245534Oak Brook Terrace Facility17w754 22nd Street, Oak Brook Terrace, IL 60181October 12, 1987Full Service Brick and Mortar
7245535North Main Street Facility707 North Main Street, Lombard, IL 60148April 15, 1988Full Service Brick and Mortar
8245536Lexington Square Elmhurst Branch400 West Butterfield Road, Elmhurst, IL 60126September 04, 1990Limited Service Facility
12245540Bolingbrook West Facility1104 West Boughton, Bolingbrook, IL 60440April 03, 1995Full Service Brick and Mortar
13245541Danada Facilitiy295 West Loop Road, Wheaton, IL 60187May 02, 1995Full Service Brick and Mortar
14245542Westmont Facility6396-6400 South Cass Avenue, Westmont, IL 60559November 24, 1995Full Service Brick and Mortar
15245543Naperville Facility2020 Feldott Drive, Naperville, IL 60563June 08, 1996Full Service Brick and Mortar
1614598Cass Avenue Facility8001 Cass Avenue, Darien, IL 60561June 18, 1973Full Service Brick and Mortar
1725226175th Street Facility1005 75th Street, Darien, IL 60561March 19, 1980Full Service Brick and Mortar
18252262Bolingbrook East Facility672 East Boughton Road, Bolingbrook, IL 60439July 30, 1991Full Service Brick and Mortar
19252263Aurora Facility2000 West Galena Boulevard, Aurora, IL 60506Febuary 25, 1992Full Service Brick and Mortar
2014398Finley Road Facility2800 South Finley Road, Downers Grove, IL 60515October 27, 1972Full Service Brick and Mortar
21251792South Main Street Facility1122 South Main Street, Lombard, IL 60148June 27, 1981Full Service Brick and Mortar
22251793Lexington Square Lombard Facility2100 Finley Road, Lombard, IL 60148January 06, 1987Limited Service Facility
23251794Beacon Hill Facility2400 South Finley Road, Lombard, IL 60148October 09, 1986Limited Service Facility
24251795Warrenville Facility3 South 041 Route 59, Warrenville, IL 60555January 30, 1989Full Service Brick and Mortar
2615387Stratford Square Facility355 West Army Trail Road, Bloomingdale, IL 60108October 24, 1975Full Service Brick and Mortar
27254145Carol Stream Facility401 North Gary Avenue, Carol Stream, IL 60187December 12, 1980Full Service Brick and Mortar
29254147Bartlett Facility1061 West Stearns Road, Bartlett, IL 60103October 27, 1986Full Service Brick and Mortar
30254148Fair Oaks Facility1380 West Army Trail Road, Carol Stream, IL 60188July 13, 1990Full Service Brick and Mortar
31254149St. Charles Facility315 Randall Road, St. Charles, IL 60174November 06, 1991Full Service Brick and Mortar
3241990Lake Street Facility101 North Lake Street, Aurora, IL 60507January 01, 1926Full Service Brick and Mortar
33273204Montgomery Facility1830 Douglas Road, Montgaomery, IL 60538June 30, 1989Full Service Brick and Mortar
34273205West Galena Facility2000 West Galena Blvd, Aurora, IL 60507June 30, 1989Full Service Brick and Mortar
35245544Wheaton Facility221 South West Street, Wheaton, IL 60187September 29, 1995Full Service Brick and Mortar
36245545Eola Facility335 Eola Road, Aurora, IL 60504Febuary 01, 1999Full Service Brick and Mortar
37245546Villa Park Facility Branch40 East St. Charles Road, Villa Park, IL 60181September 08, 1999Full Service Brick and Mortar
38245547Romeoville Branch505 North Weber Road, Romeoville, IL 60446January 07, 2000Full Service Brick and Mortar
39291950Charlestowne Branch3000 East Main Street, St Charles, IL 60174April 04, 2000Full Service Brick and Mortar
40358314Downers Grove Branch5330 South Main Street, Downers Grove, IL 60515September 29, 2000Full Service Brick and Mortar
41364177Oswego Branch2830 Route 34, Oswego, IL 60543June 21, 2002Full Service Brick and Mortar
423641831296 East Chicago Branch1296 East Chicago Avenue, Naperville, IL 60540March 07, 2002Full Service Brick and Mortar
43364969South Elgin Branch1870 Mcdonald Road, South Elgin, IL 60177December 31, 2001Full Service Brick and Mortar
44441062President Street Facility895 East Geneva Road, Carol Stream, IL 60188June 08, 2005Full Service Brick and Mortar
45453825Yorkville Branch10 Saravanos, Yorkville, IL 60560June 23, 2006Full Service Brick and Mortar
46465427Oswego West Branch1071 Station Drive, Oswego, IL 60543March 01, 2007Full Service Brick and Mortar
47478451Clare Oaks Branch1061 W. Stearns Rd, Bartlett, IL 60103June 30, 2008Limited Service Facility
48492454River Run Branch1004 104th Street, Naperville, IL 60564April 15, 2009Full Service Brick and Mortar
49510331Villa St. Benedict Branch1920 Maple Avenue, Lisle, IL 60532May 28, 2010Limited Service Facility
50526237Sugar Grove Il Branch522 Route 47 Unit A, Sugar Grove, IL 60554October 17, 2011Full Service Brick and Mortar
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