First National Bank of Jefferson County in Monticello, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 1995

First National Bank of Jefferson County in Monticello, Florida (FL)
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First National Bank of Jefferson County - Overview

General
FDIC Certificate #: 22773
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Capital City Bank (#9622)
Federal Reserve ID: 269834
Date Established: December 18, 1978
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 1 (Interstate: No)
FDIC's unique #: 15901
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: December 18, 1978
Last Structure Change Effective Date: January 01, 1995
Last Structure Change Process Date: Febuary 24, 1995
Last Data Update: Febuary 24, 1995
Data Source Date: April 05, 2012
Location
Address: 800 South Jefferson Street, Monticello, FL 32344
County: Jefferson
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Gainesville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Tallahassee, FL (#45220)
CBSA Metro Statistical Area: Tallahassee, FL (#45220)
Financial Summary
Total assets: $23.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$11Total assets
$23,932Cash and due from depository institutions
$1,562Interest-bearing balances
$0Securities
$7,044Federal funds sold & reverse repurchase agreements
$2,950Net loans & leases
$11,698Loan loss allowance
$227Trading account assets
$0Bank premises and fixed assets
$410Other real estate owned
$0Goodwill and other intangibles
$268Life insurance assets
$0All other assets
$0Total liabilities and capital
$23,932Total liabilities
$21,676Total deposits
$20,884Interest-bearing deposits
$16,996Deposits held in domestic offices
20884.00%% insured (estimated)
$99Federal funds purchased & repurchase agreements
$651Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$141Total equity capital
$141Total bank equity capital
$2,256Perpetual preferred stock
$0Common stock
$500Surplus
$500Undivided profits
Memoranda
$1,256Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2Income earned, not collected on loans
$87Earning assets
$21,692Long-term assets (5+ years)
$1,268Average Assets, year-to-date
$23,299Average Assets, quarterly
$23,904Volatile liabilities
$3,044Insider loans
$786FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$950Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,275Total risk weighted assets
$12,553Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$1,521Total interest expense
$534Net interest income
$987Provision for loan and lease losses
$22Total noninterest income
$237Fiduciary activities
$0Service charges on deposit accounts
$196Trading account gains & fees
$0Additional noninterest income
$41Total noninterest expense
$810Salaries and employee benefits
$382Premises and equipment expense
$80Additional noninterest expense
$348Pre-tax net operating income
$392Securities gains (losses)
-$14Applicable income taxes
$96Income before extraordinary items
$282Extraordinary gains - net
$0Net income attributable to bank
$282Net charge-offs
$2Cash dividends
$100Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.13%Cost of funding earning assets
2.50%Net interest margin
4.62%Noninterest income to earning assets
1.11%Noninterest expense to earning assets
3.80%Net operating income to assets
1.26%Return on assets (ROA)
1.21%Pretax return on assets
1.62%Return on equity (ROE)
12.90%Retained earnings to average equity (YTD only)
8.32%Net charge-offs to loans
0.02%Credit loss provision to net charge-offs
1100.00%Efficiency ratio
66,176Assets per employee
2.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
35.46%Loss allowance to loans
1.90%Loss allowance to noncurrent loans
11350.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.02%Net loans and leases to deposits
56.01%Net loans and leases to core deposits
63.26%Equity capital to assets
9.43%Core capital (leverage) ratio
9.66%Tier 1 risk-based capital ratio
18.12%Total risk-based capital ratio
Memoranda
$19Average assets
$23,299Average earning assets
$2,186Average equity
$21,341Average loans

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