FDIC Certificate #: 16176 Status: Active Federal Reserve ID: 977652 Bank Holding Company (Regulatory Top Holder): Pedernales Investment Corporation (RSSDID: 1105630, Location: Johnson City, TX) Date Established: August 01, 1944 WWW:http://www.j-cbank.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 #: 10382 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: Yes Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: August 01, 1944 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 E Pecan St, Johnson City, TX 78636 County: Blanco Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Austin Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: West
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $95.8 mil Equity capital: $12.0 mil Deposits held in domestic offices: $83.7 mil Return on assets (ROA): 1.53% ($1.5 mil) Quarterly return on assets: 1.36% ($1.3 mil) Return on Equity (ROE): 12.16% ($1.5 mil) Quarterly return on equity: 10.84% ($1.3 mil) Net income: $1.4 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.53% ($1,466.3 mil) Quarterly Pretax return on assets: 1.36% ($1,303.4 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
24Total employees (full-time equivalent)
$95,839Total assets
$26,537Cash and due from depository institutions
$25,153Interest-bearing balances
$1,500Securities
$0Federal funds sold & reverse repurchase agreements
$65,102Net loans & leases
$599Loan loss allowance
$0Trading account assets
$1,249Bank premises and fixed assets
$594Other real estate owned
$0Goodwill and other intangibles
$95,840Life insurance assets
$857All other assets
$83,806Total liabilities and capital
$83,742Total liabilities
$65,435Total deposits
$83,742Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$64Subordinated debt
$12,034All other liabilities
$12,034Total equity capital
$12,034Total bank equity capital
$0Perpetual preferred stock
$675Common stock
$4,925Surplus
$6,434Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$759Income earned, not collected on loans
$0Earning assets
$334Long-term assets (5+ years)
$91,755Average Assets, year-to-date
$14,806Average Assets, quarterly
$92,154Volatile liabilities
$95,605Insider loans
$57,843FHLB advances
$94,660Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$12,034Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,462Restructured Loans and leases
$2,308Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,475Total interest income
$623Total interest expense
$3,852Net interest income
$361Provision for loan and lease losses
$346Total noninterest income
$0Fiduciary activities
$249Service charges on deposit accounts
$0Trading account gains & fees
$97Additional noninterest income
$2,427Total noninterest expense
$1,315Salaries and employee benefits
$489Premises and equipment expense
$623Additional noninterest expense
$1,410Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,410Income before extraordinary items
$0Extraordinary gains - net
$1,410Net income attributable to bank
$0Net charge-offs
$1,410Cash dividends
$283Sale, conversion, retirement of capital stock, net
$512Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
5.10%Yield on earning assets
0.71%Cost of funding earning assets
4.39%Net interest margin
0.39%Noninterest income to earning assets
2.76%Noninterest expense to earning assets
1.53%Net operating income to assets
1.53%Return on assets (ROA)
1.53%Pretax return on assets
12.16%Return on equity (ROE)
7.75%Retained earnings to average equity (YTD only)
0.43%Net charge-offs to loans
127.56%Credit loss provision to net charge-offs
6.26%Efficiency ratio
57,813Assets per employee
3.99%Cash dividends to net income (YTD only)
Condition Ratios (%)
36.31%Loss allowance to loans
0.91%Loss allowance to noncurrent loans
78.92%Noncurrent assets plus other real estate owned to assets
1.41%Noncurrent loans to loans
1.16%Net loans and leases to deposits
77.74%Net loans and leases to core deposits
89.83%Equity capital to assets
12.56%Core capital (leverage) ratio
12.71%Tier 1 risk-based capital ratio
20.80%Total risk-based capital ratio
Memoranda
$21Average assets
$92,154Average earning assets
$11,592Average equity
$87,791Average loans
List of branches
1 Texas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
10382
Johnson City Bank
100 E Pecan St, Johnson City, TX 78636
August 01, 1944
Full Service Brick and Mortar
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