Buena Vista National Bank in Chester, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Buena Vista National Bank - Overview

  • General
  • FDIC Certificate #: 10844
    Status: Active
    Federal Reserve ID: 621441
    Bank Holding Company (Regulatory Top Holder): Buena Vista Bancorp, Inc. (RSSDID: 1399578, Location: Chester, IL)
    Date Established: January 01, 1905
    WWW: http://www.bvnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 14125
    FDIC's unique #: 6937
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2008
    Last Structure Change Process Date: June 04, 2008
    Last Data Update: June 04, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 1309 Swanwick Street, Chester, IL 62233
    County: Randolph
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Mount Vernon
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $137.4 mil
    Equity capital: $19.5 mil
    Deposits held in domestic offices: $112.6 mil
    Return on assets (ROA): 1.20% ($1.6 mil)
    Quarterly return on assets: 0.96% ($1.3 mil)
    Return on Equity (ROE): 8.43% ($1.7 mil)
    Quarterly return on equity: 6.59% ($1.3 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.79% ($2,458.9 mil)
    Quarterly Pretax return on assets: 1.39% ($1,909.4 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
  • 47Total employees (full-time equivalent)
  • $137,370Total assets
  • $11,839Cash and due from depository institutions
  • $1,117Interest-bearing balances
  • $54,336Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $59,309Net loans & leases
  • $1,011Loan loss allowance
  • $0Trading account assets
  • $3,104Bank premises and fixed assets
  • $542Other real estate owned
  • $1,308Goodwill and other intangibles
  • $137,370Life insurance assets
  • $6,932All other assets
  • $117,859Total liabilities and capital
  • $112,560Total liabilities
  • $83,511Total deposits
  • $112,560Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 588.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,281Trading liabilities
  • $0Other borrowed funds
  • $2,430Subordinated debt
  • $19,511All other liabilities
  • $19,511Total equity capital
  • $19,511Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $8,195Surplus
  • $11,116Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $421Income earned, not collected on loans
  • $0Earning assets
  • $390Long-term assets (5+ years)
  • $114,762Average Assets, year-to-date
  • $47,728Average Assets, quarterly
  • $134,998Volatile liabilities
  • $136,238Insider loans
  • $75,237FHLB advances
  • $134,849Loans and leases held for sale
  • $4,708Unused loan commitments
  • $4,063Tier 1 (core) risk-based capital
  • $17,419Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $645Total unused commitments
  • $6,946Restructured Loans and leases
  • $3,135Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,885Total interest income
  • $851Total interest expense
  • $5,034Net interest income
  • $200Provision for loan and lease losses
  • $1,847Total noninterest income
  • $0Fiduciary activities
  • $798Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,049Additional noninterest income
  • $4,336Total noninterest expense
  • $2,246Salaries and employee benefits
  • $625Premises and equipment expense
  • $1,465Additional noninterest expense
  • $2,345Pre-tax net operating income
  • $76Securities gains (losses)
  • $800Applicable income taxes
  • $1,621Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,621Net income attributable to bank
  • $0Net charge-offs
  • $1,621Cash dividends
  • $181Sale, conversion, retirement of capital stock, net
  • $800Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 4.34%Net interest margin
  • 1.59%Noninterest income to earning assets
  • 3.74%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.20%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 8.43%Return on equity (ROE)
  • 4.27%Retained earnings to average equity (YTD only)
  • 0.30%Net charge-offs to loans
  • 110.50%Credit loss provision to net charge-offs
  • 14.06%Efficiency ratio
  • 63,014Assets per employee
  • 2.92%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 49.35%Loss allowance to loans
  • 1.68%Loss allowance to noncurrent loans
  • 240.14%Noncurrent assets plus other real estate owned to assets
  • 0.70%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 52.69%Net loans and leases to core deposits
  • 57.52%Equity capital to assets
  • 14.20%Core capital (leverage) ratio
  • 12.92%Tier 1 risk-based capital ratio
  • 23.15%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $134,998Average earning assets
  • $19,237Average equity
  • $115,931Average loans

Total Fiduciary and Related Assets (December 31, 2001)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,792Managed Assets
  • 1Number of Accounts
  • $2,792Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $2,792Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 6Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06937Buena Vista National Bank1309 Swanwick Street, Chester, IL 62233January 01, 1905Full Service Brick and Mortar
    17692Evansville BranchMarket And Spring Streets, Evansville, IL 62242January 01, 1895Full Service Brick and Mortar
    2223035Chester Market Place Branch800 Chester Center, Chester, IL 62233October 04, 1999Full Service Brick and Mortar
    356219Decatur Citizens Community Branch3795 North Woodford Street, Decatur, IL 62526October 30, 1995Full Service Brick and Mortar
    415281Warrensburg BranchState Route 121 And East Main Street, Warrensburg, IL 62573May 30, 1975Full Service Brick and Mortar

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