Jackson Federal Savings and Loan Association - Overview
General
FDIC Certificate #: 30492 Status: Active Federal Reserve ID: 291376 Date Established: January 01, 1892 WWW:http://www.jacksonfederalsl.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 5440 FDIC's unique #: 43326 Numeric code: 37 Regulator: OCC Insurance Fund Membership: Deposit Insurance Fund (DIF) FDIC Insured: Yes Insured Savings Institution: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: No Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: August 29, 1955 Last Structure Change Effective Date: July 21, 2011 Last Structure Change Process Date: July 21, 2011 Last Data Update: July 21, 2011 Data Source Date: April 05, 2012
Location
Address: 414 Second Street, Jackson, MN 56143 County: Jackson Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Mankato Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: West
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $37.0 mil Equity capital: $7.5 mil Deposits held in domestic offices: $25.5 mil Return on assets (ROA): 1.01% ($0.4 mil) Quarterly return on assets: 1.12% ($0.4 mil) Return on Equity (ROE): 5.14% ($0.4 mil) Quarterly return on equity: 5.45% ($0.4 mil) Net income: $0.4 mil Quarterly Net income: $0.1 mil Pretax return on assets: 1.29% ($477.7 mil) Quarterly Pretax return on assets: 1.58% ($585.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
4Total employees (full-time equivalent)
$37,029Total assets
$2,582Cash and due from depository institutions
$11Interest-bearing balances
$15,436Securities
$550Federal funds sold & reverse repurchase agreements
$15,677Net loans & leases
$161Loan loss allowance
$0Trading account assets
$384Bank premises and fixed assets
$43Other real estate owned
$3Goodwill and other intangibles
$37,029Life insurance assets
$2,354All other assets
$29,506Total liabilities and capital
$25,546Total liabilities
$25,265Total deposits
$25,546Interest-bearing deposits
$98Deposits held in domestic offices
3000.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$960Subordinated debt
$7,523All other liabilities
$7,523Total equity capital
$7,523Total bank equity capital
$0Perpetual preferred stock
$1Common stock
$0Surplus
$7,522Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2Income earned, not collected on loans
$0Earning assets
$318Long-term assets (5+ years)
$31,674Average Assets, year-to-date
$0Average Assets, quarterly
$34,945Volatile liabilities
$36,556Insider loans
$16,422FHLB advances
$35,741Loans and leases held for sale
$1,370Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,756Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$319Restructured Loans and leases
$516Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,648Total interest income
$483Total interest expense
$1,165Net interest income
$35Provision for loan and lease losses
$71Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$71Additional noninterest income
$748Total noninterest expense
$449Salaries and employee benefits
$135Premises and equipment expense
$164Additional noninterest expense
$453Pre-tax net operating income
-$2Securities gains (losses)
$97Applicable income taxes
$354Income before extraordinary items
$0Extraordinary gains - net
$354Net income attributable to bank
$0Net charge-offs
$354Cash dividends
$24Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.50%Yield on earning assets
1.61%Cost of funding earning assets
3.89%Net interest margin
0.24%Noninterest income to earning assets
2.49%Noninterest expense to earning assets
1.02%Net operating income to assets
1.01%Return on assets (ROA)
1.29%Pretax return on assets
5.14%Return on equity (ROE)
5.14%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
145.83%Credit loss provision to net charge-offs
20.33%Efficiency ratio
59,790Assets per employee
9.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
8050.00%Noncurrent assets plus other real estate owned to assets
0.12%Noncurrent loans to loans
0.01%Net loans and leases to deposits
61.37%Net loans and leases to core deposits
62.37%Equity capital to assets
20.32%Core capital (leverage) ratio
18.90%Tier 1 risk-based capital ratio
41.14%Total risk-based capital ratio
Memoranda
$42Average assets
$34,945Average earning assets
$6,885Average equity
$29,983Average loans
List of branches
1 Minnesota Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43326
Jackson Federal Savings And Loan Ass
414 Second Street, Jackson, MN 56143
January 01, 1892
Full Service Brick and Mortar
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