FDIC Certificate #: 249 Status: Active Federal Reserve ID: 836544 Bank Holding Company (Regulatory Top Holder): Cjsb Bancorporation (RSSDID: 2351872, Location: Columbus Junction, IA) Date Established: January 01, 1927 WWW:http://www.cjstatebank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 199 Numeric code: 13 Regulator: FED 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: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 134 Main Street, Columbus Junction, IA 52738 County: Louisa Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Cedar Rapids Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Muscatine, IA (#34700) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $55.7 mil Equity capital: $5.0 mil Deposits held in domestic offices: $50.4 mil Return on assets (ROA): 0.76% ($0.4 mil) Quarterly return on assets: 0.45% ($0.3 mil) Return on Equity (ROE): 8.72% ($0.4 mil) Quarterly return on equity: 4.89% ($0.2 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.80% ($445.5 mil) Quarterly Pretax return on assets: 0.47% ($261.8 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
16Total employees (full-time equivalent)
$55,693Total assets
$3,275Cash and due from depository institutions
$1,772Interest-bearing balances
$20,860Securities
$539Federal funds sold & reverse repurchase agreements
$29,189Net loans & leases
$482Loan loss allowance
$0Trading account assets
$981Bank premises and fixed assets
$14Other real estate owned
$0Goodwill and other intangibles
$55,693Life insurance assets
$835All other assets
$50,659Total liabilities and capital
$50,428Total liabilities
$42,875Total deposits
$50,428Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$231Subordinated debt
$5,034All other liabilities
$5,034Total equity capital
$5,034Total bank equity capital
$0Perpetual preferred stock
$1,387Common stock
$1,071Surplus
$2,576Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$698Income earned, not collected on loans
$0Earning assets
$448Long-term assets (5+ years)
$52,360Average Assets, year-to-date
$19,353Average Assets, quarterly
$54,678Volatile liabilities
$54,872Insider loans
$31,933FHLB advances
$55,983Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,452Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,534Restructured Loans and leases
$846Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,451Total interest income
$499Total interest expense
$1,952Net interest income
$142Provision for loan and lease losses
$142Total noninterest income
$0Fiduciary activities
$117Service charges on deposit accounts
$0Trading account gains & fees
$25Additional noninterest income
$1,529Total noninterest expense
$882Salaries and employee benefits
$288Premises and equipment expense
$359Additional noninterest expense
$423Pre-tax net operating income
$14Securities gains (losses)
$22Applicable income taxes
$415Income before extraordinary items
$0Extraordinary gains - net
$415Net income attributable to bank
$0Net charge-offs
$415Cash dividends
$197Sale, conversion, retirement of capital stock, net
$148Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.77%Yield on earning assets
0.97%Cost of funding earning assets
3.80%Net interest margin
0.28%Noninterest income to earning assets
2.97%Noninterest expense to earning assets
0.73%Net operating income to assets
0.76%Return on assets (ROA)
0.80%Pretax return on assets
8.72%Return on equity (ROE)
5.61%Retained earnings to average equity (YTD only)
0.71%Net charge-offs to loans
72.08%Credit loss provision to net charge-offs
2.87%Efficiency ratio
73,018Assets per employee
3.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
35.66%Loss allowance to loans
1.62%Loss allowance to noncurrent loans
69.05%Noncurrent assets plus other real estate owned to assets
1.28%Noncurrent loans to loans
2.35%Net loans and leases to deposits
57.88%Net loans and leases to core deposits
59.84%Equity capital to assets
9.04%Core capital (leverage) ratio
7.95%Tier 1 risk-based capital ratio
13.94%Total risk-based capital ratio
Memoranda
$15Average assets
$54,678Average earning assets
$4,758Average equity
$51,399Average 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
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