The First State Bank of Vienna in Vienna, Illinois (IL)



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The First State Bank of Vienna
GeneralFDIC Certificate #: 17786
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Illinois One Bank, National Association (#14743)
Federal Reserve ID: 140849
Date Established: July 02, 1957
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 11737
Numeric code: 21
Regulator: FDIC
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: July 02, 1957
Last Structure Change Effective Date: October 01, 1998
Last Structure Change Process Date: October 20, 1998
Last Data Update: October 20, 1998
Data Source Date: April 05, 2012
LocationAddress: Main Street, Vienna, IL 62995
County: Johnson
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
Financial SummaryTotal assets: $38.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)
(Dollar figures in thousands)
Total employees (full-time equivalent)13
Total assets$38,670
Cash and due from depository institutions$927
Interest-bearing balances$0
Securities$13,993
Federal funds sold & reverse repurchase agreements$2,475
Net loans & leases$20,621
Loan loss allowance $315
Trading account assets$0
Bank premises and fixed assets$267
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$387
Life insurance assets$0
Total liabilities and capital$38,670
Total liabilities$33,841
Total deposits$33,385
Interest-bearing deposits$30,471
Deposits held in domestic offices$33,385
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $456
Total equity capital$4,829
Total bank equity capital$4,829
Perpetual preferred stock$4,829
Common stock$0
Surplus$600
Undivided profits $1,000
Memoranda
Noncurrent loans and leases $3,229
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $272
Long-term assets (5+ years) $0
Average Assets, year-to-date $203
Average Assets, quarterly $37,089
Volatile liabilities $6,869
Insider loans $37,975
FHLB advances $38,380
Loans and leases held for sale $2,461
Unused loan commitments $562
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $0
Total risk weighted assets $0
Total unused commitments $668
Restructured Loans and leases $0
Derivatives$19,843
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Income and Expense (December 31, 1997)
(Dollar figures in thousands)
Total interest income $2,922
Total interest expense $1,369
Net interest income $1,553
Provision for loan and lease losses $42
Total noninterest income $208
Fiduciary activities $0
Service charges on deposit accounts $187
Trading account gains & fees $0
Additional noninterest income $21
Total noninterest expense $928
Salaries and employee benefits $516
Premises and equipment expense $86
Additional noninterest expense $326
Pre-tax net operating income $791
Securities gains (losses) $0
Applicable income taxes $246
Income before extraordinary items $545
Extraordinary gains - net $0
Net income attributable to bank $545
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $9
Net operating income $623
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Performance and Condition Ratios (December 31, 1997)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets8.10%
Cost of funding earning assets 3.79%
Net interest margin 4.30%
Noninterest income to earning assets 0.58%
Noninterest expense to earning assets 2.57%
Net operating income to assets 1.44%
Return on assets (ROA) 1.44%
Pretax return on assets 2.08%
Return on equity (ROE) 11.28%
Retained earnings to average equity (YTD only) -1.61%
Net charge-offs to loans 0.04%
Credit loss provision to net charge-offs 466.67%
Efficiency ratio92.56%
Assets per employee$52,697
Cash dividends to net income (YTD only)2.97%
Condition Ratios (%)
Loss allowance to loans 114.31%
Loss allowance to noncurrent loans 1.50%
Noncurrent assets plus other real estate owned to assets 115.81%
Noncurrent loans to loans 0.70%
Net loans and leases to deposits1.30%
Net loans and leases to core deposits 61.77%
Equity capital to assets 66.68%
Core capital (leverage) ratio 12.49%
Tier 1 risk-based capital ratio 12.71%
Total risk-based capital ratio 24.03%
Memoranda
Average assets$25
Average earning assets$37,975
Average equity $4,833
Average loans $36,081
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