Jonestown Bank and Trust Company, of Jonestown, Pennsylvania in Jonestown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Jonestown Bank and Trust Company, of Jonestown, Pennsylvania in Jonestown, Pennsylvania (PA)
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Jonestown Bank and Trust Company, of Jonestown, Pennsylvania routing number info

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania - Overview

  • General
  • FDIC Certificate #: 10677
    Status: Active
    Federal Reserve ID: 653611
    Date Established: January 01, 1873
    WWW: http://www.bankjbt.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 11207
    FDIC's unique #: 6851
    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: Consumer Lending Specialization
    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: 2 West Market Street, Jonestown, PA 17038
    County: Lebanon
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Harrisburg-Lebanon-Carlisle, PA (#3240)
    Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
    Core Based Statistical Area (CBSA): Lebanon, PA (#30140)
    CBSA Metro Statistical Area: Lebanon, PA (#30140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $378.3 mil
    Equity capital: $36.1 mil
    Deposits held in domestic offices: $332.8 mil
    Return on assets (ROA): 1.02% ($3.9 mil)
    Quarterly return on assets: 1.30% ($4.9 mil)
    Return on Equity (ROE): 11.27% ($4.1 mil)
    Quarterly return on equity: 13.48% ($4.9 mil)
    Net income: $3.7 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.44% ($5,447.7 mil)
    Quarterly Pretax return on assets: 1.84% ($6,960.9 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
  • 109Total employees (full-time equivalent)
  • $378,312Total assets
  • $23,874Cash and due from depository institutions
  • $19,849Interest-bearing balances
  • $32,946Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $302,673Net loans & leases
  • $4,375Loan loss allowance
  • $0Trading account assets
  • $3,440Bank premises and fixed assets
  • $1,097Other real estate owned
  • $389Goodwill and other intangibles
  • $378,312Life insurance assets
  • $13,893All other assets
  • $342,207Total liabilities and capital
  • $332,788Total liabilities
  • $299,960Total deposits
  • $332,788Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $6,355Trading liabilities
  • $0Other borrowed funds
  • $3,064Subordinated debt
  • $36,105All other liabilities
  • $36,105Total equity capital
  • $36,105Total bank equity capital
  • $4,000Perpetual preferred stock
  • $3,022Common stock
  • $3,212Surplus
  • $25,871Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $50Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,311Income earned, not collected on loans
  • $0Earning assets
  • $3,355Long-term assets (5+ years)
  • $355,468Average Assets, year-to-date
  • $113,992Average Assets, quarterly
  • $362,256Volatile liabilities
  • $373,770Insider loans
  • $331,990FHLB advances
  • $360,170Loans and leases held for sale
  • $6,014Unused loan commitments
  • $6,014Tier 1 (core) risk-based capital
  • $36,131Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $53,663Restructured Loans and leases
  • $2,538Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,256Total interest income
  • $3,367Total interest expense
  • $12,889Net interest income
  • $726Provision for loan and lease losses
  • $2,672Total noninterest income
  • $217Fiduciary activities
  • $905Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,550Additional noninterest income
  • $9,630Total noninterest expense
  • $4,764Salaries and employee benefits
  • $1,451Premises and equipment expense
  • $3,415Additional noninterest expense
  • $5,205Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,508Applicable income taxes
  • $3,697Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,697Net income attributable to bank
  • $0Net charge-offs
  • $3,697Cash dividends
  • $484Sale, conversion, retirement of capital stock, net
  • $1,584Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.79%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 3.80%Net interest margin
  • 0.79%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 1.02%Net operating income to assets
  • 1.02%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 11.27%Return on equity (ROE)
  • 6.44%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 150.00%Credit loss provision to net charge-offs
  • 12.25%Efficiency ratio
  • 61,885Assets per employee
  • 3.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.85%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 59.84%Noncurrent assets plus other real estate owned to assets
  • 2.22%Noncurrent loans to loans
  • 2.38%Net loans and leases to deposits
  • 90.95%Net loans and leases to core deposits
  • 101.03%Equity capital to assets
  • 9.54%Core capital (leverage) ratio
  • 10.03%Tier 1 risk-based capital ratio
  • 10.88%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $362,256Average earning assets
  • $32,797Average equity
  • $339,441Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $25,395Managed Assets
  • 1Number of Accounts
  • $25,371Personal trust and agency accounts
  • $9,905Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $4,515Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $10,951Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 120Number of Accounts
  • $0Personal trust and agency accounts
  • $4,515Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $24Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 11 Pennsylvania Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06851Jonestown Bank And Trust Company, Of Jonestown, Pennsylvania2 West Market Street, Jonestown, PA 17038January 01, 1873Full Service Brick and Mortar
    1222875Grantville BranchRoute 1, Grantville, PA 17028August 02, 1974Full Service Brick and Mortar
    2222876North Lebanon Township BranchRoute 72 And Long Lane, North Lebanon Township, PA 17042March 02, 1981Full Service Brick and Mortar
    3222877Lebanon Office BranchRoute 422 And Bowman Street, Lebanon, PA 17042October 05, 1990Full Service Brick and Mortar
    4222878Newmanstown Branch25 East Main Street, Newmanstown, PA 17073July 18, 1995Full Service Brick and Mortar
    5222879East Penn Avenue Branch421 East Penn Avenue, Cleona, PA 17042July 15, 1998Full Service Brick and Mortar
    6222880Quentin Road Branch1765 Quentin Road, Lebanon, PA 17042December 10, 1998Full Service Brick and Mortar
    7356847Lebanon Valley Brethren Home Office1200 Grubb Road, Palmyra, PA 17078June 12, 2000Limited Service Facility
    8364090Palmyra Branch2 East Main Street, Palmyra, PA 17078June 26, 2002Full Service Brick and Mortar
    9510407Northside Commons Branch101 Northside Commons, Palmyra, PA 17078Febuary 22, 2010Full Service Brick and Mortar
    10525946Ephrata Branch1001 Sharp Avenue, Ephrata, PA 17522October 03, 2011Full Service Brick and Mortar

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