Jasper Banking Company in Jasper, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Jasper Banking Company in Jasper, Georgia (GA)
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Jasper Banking Company routing number info

Jasper Banking Company - Overview

  • General
  • FDIC Certificate #: 16240
    Status: Active
    Federal Reserve ID: 104430
    Bank Holding Company (Regulatory Top Holder): Jbc Bancshares, Inc. (RSSDID: 1132766, Location: Jasper, GA)
    Date Established: March 12, 1945
    WWW: http://www.jasperbanking.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 #: 10436
    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: March 12, 1945
    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: 100 Mark Whitfield Street, Jasper, GA 30143
    County: Pickens
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Atlanta
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
    Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
    Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
    CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $229.3 mil
    Equity capital: $9.6 mil
    Deposits held in domestic offices: $219.2 mil
    Return on assets (ROA): -2.72% (-$6.2 mil)
    Quarterly return on assets: -5.32% (-$12.2 mil)
    Return on Equity (ROE): -48.62% (-$4.9 mil)
    Quarterly return on equity: -105.50% (-$10.6 mil)
    Net income: -$6.1 mil
    Quarterly Net income: -$2.9 mil
    Pretax return on assets: -2.72% (-$6,237.7 mil)
    Quarterly Pretax return on assets: -5.32% (-$12,200.3 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
  • 45Total employees (full-time equivalent)
  • $229,329Total assets
  • $20,234Cash and due from depository institutions
  • $18,713Interest-bearing balances
  • $51,690Securities
  • $13,745Federal funds sold & reverse repurchase agreements
  • $105,730Net loans & leases
  • $3,560Loan loss allowance
  • $0Trading account assets
  • $1,796Bank premises and fixed assets
  • $28,278Other real estate owned
  • $0Goodwill and other intangibles
  • $229,329Life insurance assets
  • $7,856All other assets
  • $219,776Total liabilities and capital
  • $219,244Total liabilities
  • $190,552Total deposits
  • $219,244Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $532Subordinated debt
  • $9,553All other liabilities
  • $9,553Total equity capital
  • $9,553Total bank equity capital
  • $0Perpetual preferred stock
  • $6,400Common stock
  • $3,800Surplus
  • $-647Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $25,334Income earned, not collected on loans
  • $0Earning assets
  • $855Long-term assets (5+ years)
  • $189,878Average Assets, year-to-date
  • $51,485Average Assets, quarterly
  • $224,439Volatile liabilities
  • $220,370Insider loans
  • $141,536FHLB advances
  • $198,302Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $6,206Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $745Restructured Loans and leases
  • $1,677Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,704Total interest income
  • $3,030Total interest expense
  • $4,674Net interest income
  • $1,808Provision for loan and lease losses
  • -$3,639Total noninterest income
  • $0Fiduciary activities
  • $359Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$3,998Additional noninterest income
  • $6,362Total noninterest expense
  • $2,773Salaries and employee benefits
  • $476Premises and equipment expense
  • $3,113Additional noninterest expense
  • -$7,135Pre-tax net operating income
  • $1,023Securities gains (losses)
  • $0Applicable income taxes
  • -$6,112Income before extraordinary items
  • $0Extraordinary gains - net
  • -$6,112Net income attributable to bank
  • $0Net charge-offs
  • -$6,112Cash dividends
  • $1,408Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 1.68%Cost of funding earning assets
  • 2.59%Net interest margin
  • -2.01%Noninterest income to earning assets
  • 3.52%Noninterest expense to earning assets
  • -3.18%Net operating income to assets
  • -2.72%Return on assets (ROA)
  • -2.72%Pretax return on assets
  • -48.62%Return on equity (ROE)
  • -48.62%Retained earnings to average equity (YTD only)
  • 1.23%Net charge-offs to loans
  • 128.41%Credit loss provision to net charge-offs
  • -3.78%Efficiency ratio
  • 614,686Assets per employee
  • 5.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.26%Loss allowance to noncurrent loans
  • 14.05%Noncurrent assets plus other real estate owned to assets
  • 23.38%Noncurrent loans to loans
  • 23.18%Net loans and leases to deposits
  • 48.22%Net loans and leases to core deposits
  • 49.05%Equity capital to assets
  • 4.17%Core capital (leverage) ratio
  • 3.13%Tier 1 risk-based capital ratio
  • 4.38%Total risk-based capital ratio
  • Memoranda
  • $5Average assets
  • $224,439Average earning assets
  • $12,571Average equity
  • $180,808Average loans

List of branches

  • 3 Georgia Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    010436Jasper Banking Company100 Mark Whitfield Street, Jasper, GA 30143March 12, 1945Full Service Brick and Mortar
    1237652Drive-In Facility292 North Main Street, Jasper, GA 30143June 18, 1983Limited Service Facility
    2365584Ingles #437 Branch1449w. Church Street, Jasper, GA 30143November 04, 2002Full Service Retail

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