VistaBank in Aiken, South Carolina (SC)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • VistaBank in Aiken, South Carolina (SC)
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VistaBank routing number info

VistaBank - Overview

  • General
  • FDIC Certificate #: 58650
    Status: Active
    Federal Reserve ID: 3637050
    Date Established: January 22, 2008
    WWW: http://www.vistabankonline.com
    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 #: 461627
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 22, 2008
    Last Structure Change Effective Date: January 22, 2008
    Last Structure Change Process Date: January 22, 2008
    Last Data Update: January 22, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 128 Laurens Street, Nw, Aiken, SC 29801
    County: Aiken
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Columbia Sc
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Augusta-Aiken, GA-SC (#600)
    Core Based Statistical Area (CBSA): Augusta-Richmond County, GA-SC (#12260)
    CBSA Metro Statistical Area: Augusta-Richmond County, GA-SC (#12260)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    New Institution
  • Financial Summary
  • Total assets: $107.6 mil
    Equity capital: $8.9 mil
    Deposits held in domestic offices: $94.3 mil
    Return on assets (ROA): -0.95% (-$1.0 mil)
    Quarterly return on assets: -3.00% (-$3.2 mil)
    Return on Equity (ROE): -11.24% (-$1.0 mil)
    Quarterly return on equity: -35.50% (-$3.2 mil)
    Net income: -$1.1 mil
    Quarterly Net income: -$0.8 mil
    Pretax return on assets: -0.95% (-$1,021.8 mil)
    Quarterly Pretax return on assets: -3.00% (-$3,226.8 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
  • 28Total employees (full-time equivalent)
  • $107,559Total assets
  • $5,469Cash and due from depository institutions
  • $3,499Interest-bearing balances
  • $11,679Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $85,912Net loans & leases
  • $1,130Loan loss allowance
  • $0Trading account assets
  • $2,271Bank premises and fixed assets
  • $1,031Other real estate owned
  • $0Goodwill and other intangibles
  • $107,559Life insurance assets
  • $1,197All other assets
  • $98,618Total liabilities and capital
  • $94,309Total liabilities
  • $82,452Total deposits
  • $94,309Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,000Trading liabilities
  • $0Other borrowed funds
  • $309Subordinated debt
  • $8,941All other liabilities
  • $8,941Total equity capital
  • $8,941Total bank equity capital
  • $0Perpetual preferred stock
  • $8,516Common stock
  • $8,259Surplus
  • $-7,834Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,070Income earned, not collected on loans
  • $0Earning assets
  • $433Long-term assets (5+ years)
  • $101,090Average Assets, year-to-date
  • $20,134Average Assets, quarterly
  • $113,038Volatile liabilities
  • $110,453Insider loans
  • $91,744FHLB advances
  • $110,267Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,870Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,680Restructured Loans and leases
  • $4,821Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,314Total interest income
  • $1,322Total interest expense
  • $3,992Net interest income
  • $1,586Provision for loan and lease losses
  • $121Total noninterest income
  • $0Fiduciary activities
  • $62Service charges on deposit accounts
  • $0Trading account gains & fees
  • $59Additional noninterest income
  • $3,611Total noninterest expense
  • $1,847Salaries and employee benefits
  • $547Premises and equipment expense
  • $1,217Additional noninterest expense
  • -$1,084Pre-tax net operating income
  • $13Securities gains (losses)
  • $0Applicable income taxes
  • -$1,071Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,071Net income attributable to bank
  • $0Net charge-offs
  • -$1,071Cash dividends
  • $1,954Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.94%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 3.71%Net interest margin
  • 0.11%Noninterest income to earning assets
  • 3.36%Noninterest expense to earning assets
  • -0.96%Net operating income to assets
  • -0.95%Return on assets (ROA)
  • -0.95%Pretax return on assets
  • -11.24%Return on equity (ROE)
  • -11.24%Retained earnings to average equity (YTD only)
  • 2.10%Net charge-offs to loans
  • 81.17%Credit loss provision to net charge-offs
  • 0.26%Efficiency ratio
  • 87,795Assets per employee
  • 3.84%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.30%Loss allowance to noncurrent loans
  • 18.62%Noncurrent assets plus other real estate owned to assets
  • 6.60%Noncurrent loans to loans
  • 6.97%Net loans and leases to deposits
  • 91.10%Net loans and leases to core deposits
  • 93.62%Equity capital to assets
  • 8.31%Core capital (leverage) ratio
  • 8.04%Tier 1 risk-based capital ratio
  • 9.67%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $113,038Average earning assets
  • $9,531Average equity
  • $107,596Average loans

List of branches

  • 3 South Carolina Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    0461627Vistabank128 Laurens Street, Nw, Aiken, SC 29801January 22, 2008Full Service Brick and Mortar
    1477926Columbia Office Branch1219 Assembly St, Columbia, SC 29201January 22, 2008Full Service Brick and Mortar
    2510780Conway Office Branch1106 3rd Ave, Conway, SC 29526July 13, 2009Full Service Brick and Mortar

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