The First National Bank in Vandalia, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank - Overview

  • General
  • FDIC 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
    WWW: http://www.thefnb.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: 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
  • Location
  • Address: 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 Changes
  • Office Purchased
  • Financial Summary
  • Total 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
  • 89Total employees (full-time equivalent)
  • $275,023Total assets
  • $19,190Cash and due from depository institutions
  • $5,025Interest-bearing balances
  • $85,628Securities
  • $2,400Federal funds sold & reverse repurchase agreements
  • $146,898Net loans & leases
  • $1,152Loan loss allowance
  • $0Trading account assets
  • $6,664Bank premises and fixed assets
  • $52Other real estate owned
  • $4,282Goodwill and other intangibles
  • $275,023Life insurance assets
  • $9,909All other assets
  • $243,307Total liabilities and capital
  • $240,953Total liabilities
  • $206,335Total deposits
  • $240,953Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,354Subordinated debt
  • $31,716All other liabilities
  • $31,716Total equity capital
  • $31,716Total bank equity capital
  • $0Perpetual preferred stock
  • $188Common stock
  • $3,818Surplus
  • $27,710Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $393Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $449Income earned, not collected on loans
  • $0Earning assets
  • $1,947Long-term assets (5+ years)
  • $239,951Average Assets, year-to-date
  • $56,134Average Assets, quarterly
  • $269,552Volatile liabilities
  • $271,403Insider loans
  • $163,523FHLB advances
  • $270,424Loans and leases held for sale
  • $6,148Unused loan commitments
  • $6,148Tier 1 (core) risk-based capital
  • $25,580Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,671Restructured Loans and leases
  • $1,049Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,364Total interest income
  • $2,175Total interest expense
  • $9,189Net interest income
  • $256Provision for loan and lease losses
  • $1,935Total noninterest income
  • $439Fiduciary activities
  • $705Service charges on deposit accounts
  • $0Trading account gains & fees
  • $791Additional noninterest income
  • $7,999Total noninterest expense
  • $4,526Salaries and employee benefits
  • $932Premises and equipment expense
  • $2,541Additional noninterest expense
  • $2,869Pre-tax net operating income
  • $403Securities gains (losses)
  • $714Applicable income taxes
  • $2,558Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,558Net income attributable to bank
  • $0Net charge-offs
  • $2,558Cash dividends
  • $180Sale, conversion, retirement of capital stock, net
  • $47Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.78%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.86%Net interest margin
  • 0.81%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • 0.83%Net operating income to assets
  • 0.95%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 8.52%Return on equity (ROE)
  • 8.36%Retained earnings to average equity (YTD only)
  • 0.12%Net charge-offs to loans
  • 142.22%Credit loss provision to net charge-offs
  • 17.36%Efficiency ratio
  • 69,624Assets per employee
  • 3.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 1.84%Loss allowance to loans
  • 0.78%Loss allowance to noncurrent loans
  • 256.57%Noncurrent assets plus other real estate owned to assets
  • 0.18%Noncurrent loans to loans
  • 0.30%Net loans and leases to deposits
  • 60.97%Net loans and leases to core deposits
  • 64.37%Equity capital to assets
  • 11.53%Core capital (leverage) ratio
  • 9.46%Tier 1 risk-based capital ratio
  • 15.64%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $269,552Average earning assets
  • $30,032Average equity
  • $237,767Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $61,441Managed Assets
  • 1Number of Accounts
  • $55,889Personal trust and agency accounts
  • $25,201Employee benefit-defined contribution accounts
  • $94Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $6,535Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $16,152Other fiduciary accounts
  • $7,907Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 234Number of Accounts
  • $0Personal trust and agency accounts
  • $5,878Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,552Other retirement accounts
  • $1,839Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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