FDIC Certificate #: 8799 Status: Active Federal Reserve ID: 122153 Bank Holding Company (Regulatory Top Holder): Jackson Bancorp, Inc. (RSSDID: 1131705, Location: Jonesboro, LA) Date Established: January 01, 1904 WWW:http://www.jacksonparishbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 5603 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: Other Specialized Lending < 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: 201 Main Street, Jonesboro, LA 71251 County: Jackson Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Shreveport Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Ruston, LA (#40820) CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $72.8 mil Equity capital: $7.2 mil Deposits held in domestic offices: $65.3 mil Return on assets (ROA): 0.46% ($0.3 mil) Quarterly return on assets: 0.67% ($0.5 mil) Return on Equity (ROE): 4.13% ($0.3 mil) Quarterly return on equity: 5.97% ($0.4 mil) Net income: $0.3 mil Quarterly Net income: $0.1 mil Pretax return on assets: 0.43% ($312.8 mil) Quarterly Pretax return on assets: 0.55% ($400.1 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
17Total employees (full-time equivalent)
$72,754Total assets
$3,155Cash and due from depository institutions
$1,581Interest-bearing balances
$28,255Securities
$23,000Federal funds sold & reverse repurchase agreements
$16,838Net loans & leases
$346Loan loss allowance
$0Trading account assets
$265Bank premises and fixed assets
$50Other real estate owned
$0Goodwill and other intangibles
$72,754Life insurance assets
$1,191All other assets
$65,600Total liabilities and capital
$65,278Total liabilities
$55,934Total deposits
$65,278Interest-bearing deposits
$61Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$322Subordinated debt
$7,154All other liabilities
$7,154Total equity capital
$7,154Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$1,500Surplus
$5,154Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,296Income earned, not collected on loans
$0Earning assets
$287Long-term assets (5+ years)
$69,674Average Assets, year-to-date
$30,353Average Assets, quarterly
$62,037Volatile liabilities
$64,131Insider loans
$27,390FHLB advances
$57,552Loans and leases held for sale
$177Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,664Tier 2 risk-based capital
$177Total risk weighted assets
$0Total unused commitments
$467Restructured Loans and leases
$10Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,907Total interest income
$244Total interest expense
$1,663Net interest income
$38Provision for loan and lease losses
$314Total noninterest income
$0Fiduciary activities
$145Service charges on deposit accounts
$0Trading account gains & fees
$169Additional noninterest income
$1,675Total noninterest expense
$1,033Salaries and employee benefits
$189Premises and equipment expense
$453Additional noninterest expense
$264Pre-tax net operating income
$0Securities gains (losses)
-$19Applicable income taxes
$283Income before extraordinary items
$0Extraordinary gains - net
$283Net income attributable to bank
$0Net charge-offs
$283Cash dividends
$51Sale, conversion, retirement of capital stock, net
$140Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.26%Yield on earning assets
0.42%Cost of funding earning assets
2.84%Net interest margin
0.54%Noninterest income to earning assets
2.86%Noninterest expense to earning assets
0.46%Net operating income to assets
0.46%Return on assets (ROA)
0.43%Pretax return on assets
4.13%Return on equity (ROE)
2.09%Retained earnings to average equity (YTD only)
0.30%Net charge-offs to loans
74.51%Credit loss provision to net charge-offs
5.92%Efficiency ratio
84,724Assets per employee
4.28%Cash dividends to net income (YTD only)
Condition Ratios (%)
49.47%Loss allowance to loans
2.01%Loss allowance to noncurrent loans
26.70%Noncurrent assets plus other real estate owned to assets
1.85%Noncurrent loans to loans
7.54%Net loans and leases to deposits
25.79%Net loans and leases to core deposits
26.12%Equity capital to assets
9.83%Core capital (leverage) ratio
11.58%Tier 1 risk-based capital ratio
24.33%Total risk-based capital ratio
Memoranda
$26Average assets
$62,037Average earning assets
$6,850Average equity
$58,503Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5603
Jackson Parish Bank
201 Main Street, Jonesboro, LA 71251
January 01, 1904
Full Service Brick and Mortar
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