The First National Bank in Vandalia, Illinois (IL)

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The First National Bank
GeneralFDIC Certificate #: 3840
Status: Active
Federal Reserve ID: 137447
Bank Holding Company (Regulatory Top Holder): First Vandalia Corp. (RSSDID: 1099654, Location: Vandalia, IL)
Date Established: January 01, 1865
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: 7 (Domestic: 7, Interstate: No)
FDIC's unique #: 2498
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: September 27, 2008
Last Structure Change Process Date: September 30, 2008
Last Data Update: September 30, 2008
Data Source Date: April 05, 2012
LocationAddress: 432 West Gallatin Street, Vandalia, IL 62471
County: Fayette
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 ChangesOffice Purchased
Financial SummaryTotal assets: $275.0 mil
Equity capital: $31.7 mil
Deposits held in domestic offices: $241.0 mil
Return on assets (ROA): 0.95% ($2.6 mil)
Quarterly return on assets: 0.92% ($2.5 mil)
Return on Equity (ROE): 8.52% ($2.7 mil)
Quarterly return on equity: 7.92% ($2.5 mil)
Net income: $2.6 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.21% ($3,327.8 mil)
Quarterly Pretax return on assets: 1.16% ($3,190.3 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)89
Total assets$275,023
Cash and due from depository institutions$19,190
Interest-bearing balances$5,025
Federal funds sold & reverse repurchase agreements$2,400
Net loans & leases$146,898
Loan loss allowance $1,152
Trading account assets$0
Bank premises and fixed assets$6,664
Other real estate owned$52
Goodwill and other intangibles$4,282
All other assets$9,909
Life insurance assets$275,023
Total liabilities and capital$243,307
Total liabilities$240,953
Total deposits$206,335
Interest-bearing deposits$240,953
Deposits held in domestic offices$92
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,354
All other liabilities $31,716
Total equity capital$31,716
Total bank equity capital$31,716
Perpetual preferred stock$0
Common stock$188
Undivided profits $27,710
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $393
Income earned, not collected on loans $449
Earning assets $0
Long-term assets (5+ years) $1,947
Average Assets, year-to-date $239,951
Average Assets, quarterly $56,134
Volatile liabilities $269,552
Insider loans $271,403
FHLB advances $163,523
Loans and leases held for sale $270,424
Unused loan commitments $6,148
Tier 1 (core) risk-based capital $6,148
Tier 2 risk-based capital $25,580
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $27,671
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $11,364
Total interest expense $2,175
Net interest income $9,189
Provision for loan and lease losses $256
Total noninterest income $1,935
Fiduciary activities $439
Service charges on deposit accounts $705
Trading account gains & fees $0
Additional noninterest income $791
Total noninterest expense $7,999
Salaries and employee benefits $4,526
Premises and equipment expense $932
Additional noninterest expense $2,541
Pre-tax net operating income $2,869
Securities gains (losses) $403
Applicable income taxes $714
Income before extraordinary items $2,558
Extraordinary gains - net $0
Net income attributable to bank $2,558
Net charge-offs $0
Cash dividends $2,558
Sale, conversion, retirement of capital stock, net $180
Net operating income $47
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.78%
Cost of funding earning assets 0.91%
Net interest margin 3.86%
Noninterest income to earning assets 0.81%
Noninterest expense to earning assets 3.36%
Net operating income to assets 0.83%
Return on assets (ROA) 0.95%
Pretax return on assets 1.21%
Return on equity (ROE) 8.52%
Retained earnings to average equity (YTD only) 8.36%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 142.22%
Efficiency ratio17.36%
Assets per employee$69,624
Cash dividends to net income (YTD only)3.09%
Condition Ratios (%)
Loss allowance to loans 1.84%
Loss allowance to noncurrent loans 0.78%
Noncurrent assets plus other real estate owned to assets 256.57%
Noncurrent loans to loans 0.18%
Net loans and leases to deposits0.30%
Net loans and leases to core deposits 60.97%
Equity capital to assets 64.37%
Core capital (leverage) ratio 11.53%
Tier 1 risk-based capital ratio 9.46%
Total risk-based capital ratio 15.64%
Average assets$16
Average earning assets$269,552
Average equity $30,032
Average loans $237,767
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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$61,441
Number of Accounts1
Personal trust and agency accounts$55,889
Employee benefit-defined contribution accounts$25,201
Employee benefit-defined benefit accounts$94
Other retirement accounts$0
Corporate trust and agency accounts$6,535
Investment management agency accounts$0
Other fiduciary accounts$16,152
Fiduciary accounts held in foreign offices$7,907
Non-managed Assets$0
Number of Accounts234
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$5,878
Employee benefit-defined benefit accounts$0
Other retirement accounts$5,552
Corporate trust and agency accounts$1,839
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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7 Illinois Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02498The First National Bank432 West Gallatin Street, Vandalia, IL 62471January 01, 1865Full Service Brick and Mortar
22489Ramsey Branch231 South Superior Street, Ramsey, IL 62080January 01, 1910Full Service Brick and Mortar
35403Patoka BranchMarion Avenue And Rr Street, Patoka, IL 62875January 27, 1913Full Service Brick and Mortar
4272305Vandalia Branch1420 North 8th Street, Vandalia, IL 62471January 01, 1914Full Service Brick and Mortar
5201955Greenville Branch1310 East City Route 40, Greenville, IL 62246May 26, 1992Full Service Brick and Mortar
6481114Mulberry Grove Branch102 Maple Street, Mulberry Grove, IL 62262September 27, 2008Full Service Brick and Mortar
7493095Banker Blvd Branch311 Banker Blvd, Vandalia, IL 62471May 19, 2009Full Service Brick and Mortar
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