Bank of Jackson County in Graceville, Florida (FL)

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Bank of Jackson County
GeneralFDIC Certificate #: 14794
Status: Active
Federal Reserve ID: 713038
Bank Holding Company (Regulatory Top Holder): Bjc Holdings,inc. (RSSDID: 1862988, Location: Graceville, FL)
Date Established: September 06, 1934
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 9256
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: October 10, 1934
Last Structure Change Effective Date: June 01, 2007
Last Structure Change Process Date: June 27, 2007
Last Data Update: June 27, 2007
Data Source Date: April 05, 2012
LocationAddress: 5381 Cliff Street, Graceville, FL 32440
County: Jackson
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Pensacola
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Financial SummaryTotal assets: $27.4 mil
Equity capital: $0.7 mil
Deposits held in domestic offices: $26.3 mil
Return on assets (ROA): -0.17% (-$0.0 mil)
Quarterly return on assets: 1.49% ($0.4 mil)
Return on Equity (ROE): -8.08% (-$0.1 mil)
Quarterly return on equity: 67.85% ($0.7 mil)
Net income: -$0.1 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: -0.19% (-$52.1 mil)
Quarterly Pretax return on assets: 1.49% ($408.6 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)
Total employees (full-time equivalent)20
Total assets$27,423
Cash and due from depository institutions$5,109
Interest-bearing balances$1,347
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$19,217
Loan loss allowance $995
Trading account assets$0
Bank premises and fixed assets$359
Other real estate owned$1,746
Goodwill and other intangibles$0
All other assets$392
Life insurance assets$27,423
Total liabilities and capital$26,765
Total liabilities$26,283
Total deposits$18,833
Interest-bearing deposits$26,283
Deposits held in domestic offices$100
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $482
All other liabilities $658
Total equity capital$658
Total bank equity capital$658
Perpetual preferred stock$0
Common stock$500
Undivided profits $-962
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,550
Earning assets $0
Long-term assets (5+ years) $111
Average Assets, year-to-date $21,164
Average Assets, quarterly $4,420
Volatile liabilities $29,933
Insider loans $28,163
FHLB advances $23,848
Loans and leases held for sale $29,764
Unused loan commitments $48
Tier 1 (core) risk-based capital $48
Tier 2 risk-based capital $658
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $946
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $1,436
Total interest expense $179
Net interest income $1,257
Provision for loan and lease losses $42
Total noninterest income $270
Fiduciary activities $0
Service charges on deposit accounts $213
Trading account gains & fees $0
Additional noninterest income $57
Total noninterest expense $1,572
Salaries and employee benefits $813
Premises and equipment expense $200
Additional noninterest expense $559
Pre-tax net operating income -$87
Securities gains (losses) $31
Applicable income taxes -$4
Income before extraordinary items -$52
Extraordinary gains - net $0
Net income attributable to bank -$52
Net charge-offs $0
Cash dividends -$52
Sale, conversion, retirement of capital stock, net $98
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.85%
Cost of funding earning assets 0.73%
Net interest margin 5.12%
Noninterest income to earning assets 1.10%
Noninterest expense to earning assets 6.40%
Net operating income to assets -0.27%
Return on assets (ROA) -0.17%
Pretax return on assets -0.19%
Return on equity (ROE) -8.08%
Retained earnings to average equity (YTD only) -8.08%
Net charge-offs to loans 0.45%
Credit loss provision to net charge-offs 42.86%
Efficiency ratio-0.46%
Assets per employee$102,947
Cash dividends to net income (YTD only)1.37%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 4.92%
Noncurrent assets plus other real estate owned to assets 64.19%
Noncurrent loans to loans 12.02%
Net loans and leases to deposits7.67%
Net loans and leases to core deposits 73.12%
Equity capital to assets 74.24%
Core capital (leverage) ratio 2.40%
Tier 1 risk-based capital ratio 2.21%
Total risk-based capital ratio 2.76%
Average assets$4
Average earning assets$29,933
Average equity $643
Average loans $24,559
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2 Florida Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09256Bank Of Jackson County5381 Cliff Street, Graceville, FL 32440September 06, 1934Full Service Brick and Mortar
1232149Marianna Branch4285 Lafayette Street, Marianna, FL 32446September 18, 1978Full Service Brick and Mortar
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