Capitol Bank of Westmont in Westmont, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 1997

  • Capitol Bank of Westmont in Westmont, Illinois (IL)
  • Show street view No street view available for this location

Capitol Bank of Westmont - Overview

  • General
  • FDIC Certificate #: 22209
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Banco Popular, Illinois (#1804)
    Federal Reserve ID: 364243
    Date Established: January 19, 1976
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Interstate: No)
    FDIC's unique #: 15429
    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: January 19, 1976
    Last Structure Change Effective Date: October 31, 1997
    Last Structure Change Process Date: November 19, 1997
    Last Data Update: November 19, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 East Ogden Avenue, Westmont, IL 60559
    County: Dupage
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: New York
    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: $86.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $22Total assets
  • $90,807Cash and due from depository institutions
  • $5,236Interest-bearing balances
  • $0Securities
  • $39,621Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $44,060Loan loss allowance
  • $914Trading account assets
  • $0Bank premises and fixed assets
  • $721Other real estate owned
  • $0Goodwill and other intangibles
  • $1,169Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $90,807Total liabilities
  • $83,418Total deposits
  • $77,204Interest-bearing deposits
  • $67,429Deposits held in domestic offices
  • 77204.00%% insured (estimated)
  • $71Federal funds purchased & repurchase agreements
  • $5,957Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $257Total equity capital
  • $257Total bank equity capital
  • $7,389Perpetual preferred stock
  • $0Common stock
  • $700Surplus
  • $4,800Undivided profits
  • Memoranda
  • $1,889Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $625Income earned, not collected on loans
  • $277Earning assets
  • $83,681Long-term assets (5+ years)
  • $12,791Average Assets, year-to-date
  • $93,103Average Assets, quarterly
  • $89,790Volatile liabilities
  • $34,561Insider loans
  • $105FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $5,096Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $7,453Total risk weighted assets
  • $46,121Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,822Total interest expense
  • $3,701Net interest income
  • $3,121Provision for loan and lease losses
  • $325Total noninterest income
  • $256Fiduciary activities
  • $0Service charges on deposit accounts
  • $201Trading account gains & fees
  • $0Additional noninterest income
  • $55Total noninterest expense
  • $1,797Salaries and employee benefits
  • $977Premises and equipment expense
  • $165Additional noninterest expense
  • $655Pre-tax net operating income
  • $1,255Securities gains (losses)
  • $95Applicable income taxes
  • $457Income before extraordinary items
  • $893Extraordinary gains - net
  • $0Net income attributable to bank
  • $893Net charge-offs
  • $72Cash dividends
  • $218Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1996)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.79%Cost of funding earning assets
  • 4.23%Net interest margin
  • 3.57%Noninterest income to earning assets
  • 0.29%Noninterest expense to earning assets
  • 2.05%Net operating income to assets
  • 0.89%Return on assets (ROA)
  • 0.96%Pretax return on assets
  • 1.45%Return on equity (ROE)
  • 12.70%Retained earnings to average equity (YTD only)
  • 9.60%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 451.39%Efficiency ratio
  • 53,213Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.41%Loss allowance to loans
  • 2.03%Loss allowance to noncurrent loans
  • 146.24%Noncurrent assets plus other real estate owned to assets
  • 0.69%Noncurrent loans to loans
  • 1.39%Net loans and leases to deposits
  • 57.07%Net loans and leases to core deposits
  • 90.66%Equity capital to assets
  • 8.14%Core capital (leverage) ratio
  • 8.02%Tier 1 risk-based capital ratio
  • 16.16%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $93,103Average earning assets
  • $7,033Average equity
  • $87,540Average loans

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