The Village Bank in Saint Libory, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Village Bank - Overview

  • General
  • FDIC Certificate #: 10439
    Status: Active
    Federal Reserve ID: 487843
    Bank Holding Company (Regulatory Top Holder): Village Bancshares, Inc (RSSDID: 2746094, Location: Saint Libory, IL)
    Date Established: January 01, 1920
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6673
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: May 14, 2007
    Last Structure Change Process Date: May 15, 2007
    Last Data Update: May 15, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 856 Sparta Street, Saint Libory, IL 62282
    County: St. Clair
    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
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $75.2 mil
    Equity capital: $7.1 mil
    Deposits held in domestic offices: $67.3 mil
    Return on assets (ROA): 0.68% ($0.5 mil)
    Quarterly return on assets: 0.92% ($0.7 mil)
    Return on Equity (ROE): 7.24% ($0.5 mil)
    Quarterly return on equity: 9.81% ($0.7 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.69% ($518.7 mil)
    Quarterly Pretax return on assets: 0.93% ($699.1 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
  • 19Total employees (full-time equivalent)
  • $75,175Total assets
  • $21,144Cash and due from depository institutions
  • $19,633Interest-bearing balances
  • $3,196Securities
  • $775Federal funds sold & reverse repurchase agreements
  • $45,451Net loans & leases
  • $360Loan loss allowance
  • $0Trading account assets
  • $1,173Bank premises and fixed assets
  • $1,057Other real estate owned
  • $0Goodwill and other intangibles
  • $75,175Life insurance assets
  • $2,379All other assets
  • $68,119Total liabilities and capital
  • $67,336Total liabilities
  • $53,900Total deposits
  • $67,336Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $783Subordinated debt
  • $7,056All other liabilities
  • $7,056Total equity capital
  • $7,056Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $700Surplus
  • $6,056Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,205Income earned, not collected on loans
  • $0Earning assets
  • $276Long-term assets (5+ years)
  • $69,055Average Assets, year-to-date
  • $3,978Average Assets, quarterly
  • $74,491Volatile liabilities
  • $74,965Insider loans
  • $41,868FHLB advances
  • $75,081Loans and leases held for sale
  • $1,852Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,041Tier 2 risk-based capital
  • $1,852Total risk weighted assets
  • $0Total unused commitments
  • $3,263Restructured Loans and leases
  • $1,322Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,026Total interest income
  • $756Total interest expense
  • $2,270Net interest income
  • $26Provision for loan and lease losses
  • $413Total noninterest income
  • $0Fiduciary activities
  • $185Service charges on deposit accounts
  • $0Trading account gains & fees
  • $228Additional noninterest income
  • $2,145Total noninterest expense
  • $1,207Salaries and employee benefits
  • $297Premises and equipment expense
  • $641Additional noninterest expense
  • $512Pre-tax net operating income
  • $0Securities gains (losses)
  • $8Applicable income taxes
  • $504Income before extraordinary items
  • $0Extraordinary gains - net
  • $504Net income attributable to bank
  • $0Net charge-offs
  • $504Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $282Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.44%Yield on earning assets
  • 1.11%Cost of funding earning assets
  • 3.33%Net interest margin
  • 0.61%Noninterest income to earning assets
  • 3.15%Noninterest expense to earning assets
  • 0.68%Net operating income to assets
  • 0.68%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 7.24%Return on equity (ROE)
  • 3.19%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 144.44%Credit loss provision to net charge-offs
  • 29.89%Efficiency ratio
  • 79,948Assets per employee
  • 3.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.95%Loss allowance to loans
  • 0.79%Loss allowance to noncurrent loans
  • 29.88%Noncurrent assets plus other real estate owned to assets
  • 3.01%Noncurrent loans to loans
  • 2.63%Net loans and leases to deposits
  • 67.50%Net loans and leases to core deposits
  • 68.10%Equity capital to assets
  • 9.39%Core capital (leverage) ratio
  • 9.38%Tier 1 risk-based capital ratio
  • 16.82%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $74,491Average earning assets
  • $6,959Average equity
  • $68,118Average loans

List of branches

  • 3 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06673The Village Bank856 Sparta Street, Saint Libory, IL 62282January 01, 1920Full Service Brick and Mortar
    1222400New Athens Branch600 S Van Buren, New Athens, IL 62264March 22, 1999Full Service Brick and Mortar
    2429715Marissa Branch720 East Lyons Street, Marissa, IL 62257September 07, 2004Full Service Brick and Mortar

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