Jackson County Bank in Seymour, Indiana (IN)
Overview, Financial Summary, Detailed Financial Reports, Branches

Jackson County Bank - Overview

  • General
  • FDIC Certificate #: 13109
    Status: Active
    Federal Reserve ID: 884442
    Bank Holding Company (Regulatory Top Holder): Bancorp Of Southern Indiana (RSSDID: 1098590, Location: Seymour, IN)
    Date Established: January 01, 1900
    WWW: http://www.jcbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    FDIC's unique #: 8291
    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: 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: 125 South Chestnut Street, Seymour, IN 47274
    County: Jackson
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Indianapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Core Based Statistical Area (CBSA): Seymour, IN (#42980)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $390.0 mil
    Equity capital: $39.1 mil
    Deposits held in domestic offices: $304.2 mil
    Return on assets (ROA): 0.87% ($3.4 mil)
    Quarterly return on assets: 1.08% ($4.2 mil)
    Return on Equity (ROE): 8.58% ($3.3 mil)
    Quarterly return on equity: 10.71% ($4.2 mil)
    Net income: $3.3 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.11% ($4,328.8 mil)
    Quarterly Pretax return on assets: 1.44% ($5,615.7 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
  • 116Total employees (full-time equivalent)
  • $389,980Total assets
  • $23,554Cash and due from depository institutions
  • $8,720Interest-bearing balances
  • $58,080Securities
  • $4,594Federal funds sold & reverse repurchase agreements
  • $273,225Net loans & leases
  • $3,993Loan loss allowance
  • $755Trading account assets
  • $4,877Bank premises and fixed assets
  • $5,174Other real estate owned
  • $923Goodwill and other intangibles
  • $389,980Life insurance assets
  • $18,798All other assets
  • $350,801Total liabilities and capital
  • $304,194Total liabilities
  • $253,258Total deposits
  • $304,194Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 14064.00%% insured (estimated)
  • $755Federal funds purchased & repurchase agreements
  • $23,841Trading liabilities
  • $0Other borrowed funds
  • $7,947Subordinated debt
  • $39,179All other liabilities
  • $39,124Total equity capital
  • $39,124Total bank equity capital
  • $0Perpetual preferred stock
  • $1,200Common stock
  • $9,000Surplus
  • $28,924Undivided profits
  • Memoranda
  • $55Noncurrent loans and leases
  • $1,795Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $7,472Income earned, not collected on loans
  • $0Earning assets
  • $1,170Long-term assets (5+ years)
  • $345,374Average Assets, year-to-date
  • $101,463Average Assets, quarterly
  • $380,918Volatile liabilities
  • $388,234Insider loans
  • $275,583FHLB advances
  • $378,687Loans and leases held for sale
  • $8,106Unused loan commitments
  • $8,106Tier 1 (core) risk-based capital
  • $37,596Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $38,619Restructured Loans and leases
  • $1,941Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,756Total interest income
  • $3,732Total interest expense
  • $13,024Net interest income
  • $1,300Provision for loan and lease losses
  • $4,657Total noninterest income
  • $692Fiduciary activities
  • $1,341Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,624Additional noninterest income
  • $12,227Total noninterest expense
  • $6,190Salaries and employee benefits
  • $1,311Premises and equipment expense
  • $4,726Additional noninterest expense
  • $4,154Pre-tax net operating income
  • $92Securities gains (losses)
  • $941Applicable income taxes
  • $3,305Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,305Net income attributable to bank
  • $0Net charge-offs
  • $3,305Cash dividends
  • $1,451Sale, conversion, retirement of capital stock, net
  • $1,885Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.87%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.78%Net interest margin
  • 1.35%Noninterest income to earning assets
  • 3.55%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.87%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 8.58%Return on equity (ROE)
  • 3.68%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 89.59%Credit loss provision to net charge-offs
  • 3.76%Efficiency ratio
  • 69,153Assets per employee
  • 3.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.03%Loss allowance to loans
  • 1.44%Loss allowance to noncurrent loans
  • 53.44%Noncurrent assets plus other real estate owned to assets
  • 3.24%Noncurrent loans to loans
  • 2.70%Net loans and leases to deposits
  • 89.82%Net loans and leases to core deposits
  • 103.51%Equity capital to assets
  • 10.03%Core capital (leverage) ratio
  • 9.93%Tier 1 risk-based capital ratio
  • 13.64%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $380,918Average earning assets
  • $38,538Average equity
  • $344,184Average 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
  • $101,479Managed Assets
  • 1Number of Accounts
  • $76,572Personal trust and agency accounts
  • $11,703Employee benefit-defined contribution accounts
  • $2,532Employee benefit-defined benefit accounts
  • $2,310Other retirement accounts
  • $5,795Corporate trust and agency accounts
  • $19,216Investment management agency accounts
  • $20,986Other fiduciary accounts
  • $14,030Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 528Number of Accounts
  • $0Personal trust and agency accounts
  • $5,795Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $24,907Other retirement accounts
  • $6,378Corporate trust and agency accounts
  • $6,513Other fiduciary accounts
  • $11,805Fiduciary accounts held in foreign offices

List of branches

  • 10 Indiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08291Jackson County Bank125 South Chestnut Street, Seymour, IN 47274January 01, 1900Full Service Brick and Mortar
    2229129Jackson Park Branch1200 East Tipton Street, Seymour, IN 47274May 15, 1972Full Service Brick and Mortar
    3229130Bedford Banking Center Branch1513-1515 K Street, Bedford, IN 47421November 10, 1986Full Service Brick and Mortar
    5229132Bedford Banking Center Branch2635 West 16th Street, Bedford, IN 47421December 16, 1987Full Service Brick and Mortar
    6229133Brownstown Branch108 West Commerce Street, Brownstown, IN 47220November 14, 1988Full Service Brick and Mortar
    10229137Tipton Street Branch1181 West Tipton Street, Seymour, IN 47274October 12, 1992Full Service Retail
    11229138Columbus Branch3019 East 25th Street, Columbus, IN 47201July 15, 1993Full Service Brick and Mortar
    13229140North Vernon Branch611 A North State Street, North Vernon, IN 47265December 21, 1994Full Service Brick and Mortar
    14229141Washington Street Branch400 Washington Street, Columbus, IN 47203April 01, 1998Full Service Brick and Mortar
    15363186West Columbus Banking Branch3880 West Jonathan Moore Pike, Columbus, IN 47201Febuary 28, 2002Full Service Brick and Mortar

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