Institution Statistics
| DuPage National Bank | | FDIC Certificate # | 5732 | | BankRate Report | View | | Year Established | 1891 | | Employees | 26 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $76.65 million | | Loans | $39.69 million | | Deposits | $69.04 million | | Equity Capital | $7.25 million | | Loan Loss Allowance | $1.57 million | | Unbacked Noncurrent Loans | $6.59 million | | Real Estate Owned | $3.12 million |
Historic Data - March 2011 | | Assets | $79.03 million | | Equity Capital | $2.52 million | | Loan Loss Allowance | $3.00 million | | Unbacked Noncurrent Loans | $9.46 million | | Real Estate Owned | $3.10 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.02% | | Return on Assets | -4.86% | | Return on Equity | -95.46% | | Interest Income | $572,000 |
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Institution Health
Overall Score:
2 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 DuPage National Bank had $9.71 million in non-current loans and owned real-estate with $8.82 million in equity and loan loss allowances on hand to cover it. This gives DuPage National Bank a Texas Ratio of 110.09% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for DuPage National Bank decreased significantly from 227.92% as of March 31, 2011 to 110.09% as of March 31, 2012, resulting in a positive change of 51.70%.This indicates that the balance sheet and financial strength for DuPage National Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, DuPage National Bank has decreased its total deposits by -$7 million, resulting in -9.2% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth DuPage National Bank has shown is poor. | | Capitalization |  | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. DuPage National Bank has $76.65 million in assets with $8.82 million in equity, resulting in a capitalization level of 11.50%, which is above average. |
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Average User Rating:
What Happen?
Business model is as follows
Offer low rates
Charge for statement copies of statements I dont receive
Charge for a Fax
Charge for Copies
Charge for anything that requires the personal bankers to do something that my other banks do for free.
The branch on the north side is improving. They have gotten new friendlier faces that doesnt talk down to you like 2 months ago. However the other branch across town by the grocery store isnt so friendly & never does anything without asking for a service charge fee upfront. Thats the problem with banks now days they are all the same big or small & just want your money.