FDIC Certificate #: 9325 Status: Active Federal Reserve ID: 121651 Date Established: January 01, 1913 WWW:http://www.jonesborostatebank.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 #: 5979 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: 109 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: $127.0 mil Equity capital: $19.1 mil Deposits held in domestic offices: $107.1 mil Return on assets (ROA): 0.97% ($1.2 mil) Quarterly return on assets: 1.05% ($1.3 mil) Return on Equity (ROE): 6.53% ($1.2 mil) Quarterly return on equity: 6.92% ($1.3 mil) Net income: $1.2 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.21% ($1,536.2 mil) Quarterly Pretax return on assets: 1.31% ($1,663.2 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
15Total employees (full-time equivalent)
$126,961Total assets
$20,763Cash and due from depository institutions
$18,987Interest-bearing balances
$77,315Securities
$0Federal funds sold & reverse repurchase agreements
$27,182Net loans & leases
$578Loan loss allowance
$0Trading account assets
$605Bank premises and fixed assets
$75Other real estate owned
$0Goodwill and other intangibles
$126,961Life insurance assets
$1,021All other assets
$107,854Total liabilities and capital
$107,126Total liabilities
$89,825Total deposits
$107,126Interest-bearing deposits
$60Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$728Subordinated debt
$19,107All other liabilities
$19,107Total equity capital
$19,107Total bank equity capital
$0Perpetual preferred stock
$120Common stock
$8,000Surplus
$10,987Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,543Income earned, not collected on loans
$0Earning assets
$568Long-term assets (5+ years)
$123,484Average Assets, year-to-date
$34,578Average Assets, quarterly
$125,971Volatile liabilities
$126,227Insider loans
$47,867FHLB advances
$126,844Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$17,782Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$675Restructured Loans and leases
$924Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$4,479Total interest income
$1,563Total interest expense
$2,916Net interest income
$0Provision for loan and lease losses
$447Total noninterest income
$0Fiduciary activities
$293Service charges on deposit accounts
$0Trading account gains & fees
$154Additional noninterest income
$1,862Total noninterest expense
$1,036Salaries and employee benefits
$141Premises and equipment expense
$685Additional noninterest expense
$1,501Pre-tax net operating income
$21Securities gains (losses)
$300Applicable income taxes
$1,222Income before extraordinary items
$0Extraordinary gains - net
$1,222Net income attributable to bank
$0Net charge-offs
$1,222Cash dividends
-$48Sale, conversion, retirement of capital stock, net
$504Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
3.74%Yield on earning assets
1.30%Cost of funding earning assets
2.43%Net interest margin
0.37%Noninterest income to earning assets
1.55%Noninterest expense to earning assets
0.96%Net operating income to assets
0.97%Return on assets (ROA)
1.21%Pretax return on assets
6.53%Return on equity (ROE)
3.84%Retained earnings to average equity (YTD only)
-0.18%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
55,367Assets per employee
8.46%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.24%Loss allowance to loans
2.08%Loss allowance to noncurrent loans
37.46%Noncurrent assets plus other real estate owned to assets
1.27%Noncurrent loans to loans
5.56%Net loans and leases to deposits
25.37%Net loans and leases to core deposits
30.37%Equity capital to assets
15.05%Core capital (leverage) ratio
14.02%Tier 1 risk-based capital ratio
37.15%Total risk-based capital ratio
Memoranda
$38Average assets
$125,971Average earning assets
$18,706Average equity
$119,820Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5979
Jonesboro State Bank
109 Main Street, Jonesboro, LA 71251
January 01, 1913
Full Service Brick and Mortar
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