FDIC Certificate #: 10441 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:BMO Harris Bank National Association (#16571) Federal Reserve ID: 357740 Date Established: January 01, 1923 WWW:http://www.villaparkbank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 2 (Interstate: No) OTS Docket #: 13659 FDIC's unique #: 6675 Numeric code: 13 Regulator: FED 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 01, 1934 Last Structure Change Effective Date: December 02, 2005 Last Structure Change Process Date: December 12, 2005 Last Data Update: December 12, 2005 Data Source Date: April 05, 2012
Location
Address: 10 South Villa Avenue, Villa Park, IL 60181 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: $284.8 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
68Total employees (full-time equivalent)
$285,428Total assets
$6,158Cash and due from depository institutions
$0Interest-bearing balances
$42,622Securities
$6,150Federal funds sold & reverse repurchase agreements
$225,458Net loans & leases
$2,012Loan loss allowance
$0Trading account assets
$1,095Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$3,945All other assets
$285,428Total liabilities and capital
$263,964Total liabilities
$263,036Total deposits
$227,752Interest-bearing deposits
$263,036Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$928All other liabilities
$21,464Total equity capital
$21,464Total bank equity capital
$21,464Perpetual preferred stock
$0Common stock
$613Surplus
$2,387Undivided profits
Memoranda
$18,464Noncurrent loans and leases
$58,090Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$755Earning assets
$0Long-term assets (5+ years)
$1,332Average Assets, year-to-date
$274,230Average Assets, quarterly
$98,783Volatile liabilities
$265,614Insider loans
$279,497FHLB advances
$18,246Loans and leases held for sale
$967Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$58,090Total unused commitments
$0Restructured Loans and leases
$2,012Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$13,442Total interest income
$3,357Total interest expense
$10,085Net interest income
$250Provision for loan and lease losses
$1,103Total noninterest income
$75Fiduciary activities
$521Service charges on deposit accounts
$0Trading account gains & fees
$507Additional noninterest income
$6,139Total noninterest expense
$3,965Salaries and employee benefits
$410Premises and equipment expense
$1,764Additional noninterest expense
$4,799Pre-tax net operating income
$34Securities gains (losses)
$1,260Applicable income taxes
$3,573Income before extraordinary items
$0Extraordinary gains - net
$3,573Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$100Sale, conversion, retirement of capital stock, net
$648Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.26%Yield on earning assets
1.31%Cost of funding earning assets
3.95%Net interest margin
0.43%Noninterest income to earning assets
2.40%Noninterest expense to earning assets
1.34%Net operating income to assets
1.35%Return on assets (ROA)
1.82%Pretax return on assets
17.79%Return on equity (ROE)
14.56%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
250.00%Credit loss provision to net charge-offs
50.49%Efficiency ratio
54,871Assets per employee
4.20%Cash dividends to net income (YTD only)
Condition Ratios (%)
18.14%Loss allowance to loans
0.88%Loss allowance to noncurrent loans
266.49%Noncurrent assets plus other real estate owned to assets
0.26%Noncurrent loans to loans
0.33%Net loans and leases to deposits
85.71%Net loans and leases to core deposits
92.10%Equity capital to assets
7.52%Core capital (leverage) ratio
7.38%Tier 1 risk-based capital ratio
9.32%Total risk-based capital ratio
Memoranda
$10Average assets
$265,614Average earning assets
$20,085Average equity
$255,483Average loans
Total Fiduciary and Related Assets (December 31, 2003)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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