Bank of Jackson County in Graceville, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank of Jackson County in Graceville, Florida (FL)
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Bank of Jackson County routing number info

Bank of Jackson County - Overview

  • General
  • FDIC Certificate #: 14794
    Status: Active
    Federal Reserve ID: 713038
    Bank Holding Company (Regulatory Top Holder): Bjc Holdings,inc. (RSSDID: 1862988, Location: Graceville, FL)
    Date Established: September 06, 1934
    WWW: http://www.mybjc.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 9256
    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: October 10, 1934
    Last Structure Change Effective Date: June 01, 2007
    Last Structure Change Process Date: June 27, 2007
    Last Data Update: June 27, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 5381 Cliff Street, Graceville, FL 32440
    County: Jackson
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Pensacola
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
  • Financial Summary
  • Total assets: $27.4 mil
    Equity capital: $0.7 mil
    Deposits held in domestic offices: $26.3 mil
    Return on assets (ROA): -0.17% (-$0.0 mil)
    Quarterly return on assets: 1.49% ($0.4 mil)
    Return on Equity (ROE): -8.08% (-$0.1 mil)
    Quarterly return on equity: 67.85% ($0.7 mil)
    Net income: -$0.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: -0.19% (-$52.1 mil)
    Quarterly Pretax return on assets: 1.49% ($408.6 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
  • 20Total employees (full-time equivalent)
  • $27,423Total assets
  • $5,109Cash and due from depository institutions
  • $1,347Interest-bearing balances
  • $600Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $19,217Net loans & leases
  • $995Loan loss allowance
  • $0Trading account assets
  • $359Bank premises and fixed assets
  • $1,746Other real estate owned
  • $0Goodwill and other intangibles
  • $27,423Life insurance assets
  • $392All other assets
  • $26,765Total liabilities and capital
  • $26,283Total liabilities
  • $18,833Total deposits
  • $26,283Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $482Subordinated debt
  • $658All other liabilities
  • $658Total equity capital
  • $658Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $1,120Surplus
  • $-962Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,550Income earned, not collected on loans
  • $0Earning assets
  • $111Long-term assets (5+ years)
  • $21,164Average Assets, year-to-date
  • $4,420Average Assets, quarterly
  • $29,933Volatile liabilities
  • $28,163Insider loans
  • $23,848FHLB advances
  • $29,764Loans and leases held for sale
  • $48Unused loan commitments
  • $48Tier 1 (core) risk-based capital
  • $658Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $946Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,436Total interest income
  • $179Total interest expense
  • $1,257Net interest income
  • $42Provision for loan and lease losses
  • $270Total noninterest income
  • $0Fiduciary activities
  • $213Service charges on deposit accounts
  • $0Trading account gains & fees
  • $57Additional noninterest income
  • $1,572Total noninterest expense
  • $813Salaries and employee benefits
  • $200Premises and equipment expense
  • $559Additional noninterest expense
  • -$87Pre-tax net operating income
  • $31Securities gains (losses)
  • -$4Applicable income taxes
  • -$52Income before extraordinary items
  • $0Extraordinary gains - net
  • -$52Net income attributable to bank
  • $0Net charge-offs
  • -$52Cash dividends
  • $98Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.85%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 5.12%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 6.40%Noninterest expense to earning assets
  • -0.27%Net operating income to assets
  • -0.17%Return on assets (ROA)
  • -0.19%Pretax return on assets
  • -8.08%Return on equity (ROE)
  • -8.08%Retained earnings to average equity (YTD only)
  • 0.45%Net charge-offs to loans
  • 42.86%Credit loss provision to net charge-offs
  • -0.46%Efficiency ratio
  • 102,947Assets per employee
  • 1.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 4.92%Loss allowance to noncurrent loans
  • 64.19%Noncurrent assets plus other real estate owned to assets
  • 12.02%Noncurrent loans to loans
  • 7.67%Net loans and leases to deposits
  • 73.12%Net loans and leases to core deposits
  • 74.24%Equity capital to assets
  • 2.40%Core capital (leverage) ratio
  • 2.21%Tier 1 risk-based capital ratio
  • 2.76%Total risk-based capital ratio
  • Memoranda
  • $4Average assets
  • $29,933Average earning assets
  • $643Average equity
  • $24,559Average loans

List of branches

  • 2 Florida Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    09256Bank Of Jackson County5381 Cliff Street, Graceville, FL 32440September 06, 1934Full Service Brick and Mortar
    1232149Marianna Branch4285 Lafayette Street, Marianna, FL 32446September 18, 1978Full Service Brick and Mortar

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