Jefferson Bank in San Antonio, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Jefferson Bank - Overview

  • General
  • FDIC Certificate #: 16470
    Status: Active
    Federal Reserve ID: 45560
    Bank Holding Company (Regulatory Top Holder): Jefferson Bancshares, Inc. (RSSDID: 1109290, Location: San Antonio, TX)
    Date Established: August 12, 1946
    WWW: http://www.jeffersonbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 13 (Domestic: 13, Interstate: No)
    FDIC's unique #: 10634
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 12, 1946
    Last Structure Change Effective Date: Febuary 19, 2008
    Last Structure Change Process Date: Febuary 19, 2008
    Last Data Update: Febuary 19, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 2900 Fredericksburg Road, San Antonio, TX 78201
    County: Bexar
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Austin
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): San Antonio, TX (#7240)
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • Financial Summary
  • Total assets: $949.4 mil
    Equity capital: $78.8 mil
    Deposits held in domestic offices: $824.1 mil
    Return on assets (ROA): 1.37% ($13.0 mil)
    Quarterly return on assets: 1.23% ($11.7 mil)
    Return on Equity (ROE): 15.70% ($12.4 mil)
    Quarterly return on equity: 14.32% ($11.3 mil)
    Net income: $11.9 mil
    Quarterly Net income: $2.8 mil
    Pretax return on assets: 1.37% ($13,006.6 mil)
    Quarterly Pretax return on assets: 1.23% ($11,677.5 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
  • 222Total employees (full-time equivalent)
  • $949,387Total assets
  • $38,999Cash and due from depository institutions
  • $15,410Interest-bearing balances
  • $314,826Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $546,356Net loans & leases
  • $6,815Loan loss allowance
  • $0Trading account assets
  • $13,143Bank premises and fixed assets
  • $363Other real estate owned
  • $5,363Goodwill and other intangibles
  • $949,387Life insurance assets
  • $30,337All other assets
  • $870,564Total liabilities and capital
  • $824,061Total liabilities
  • $593,276Total deposits
  • $824,061Interest-bearing deposits
  • $67Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $38,054Trading liabilities
  • $0Other borrowed funds
  • $8,449Subordinated debt
  • $78,823All other liabilities
  • $78,823Total equity capital
  • $78,823Total bank equity capital
  • $0Perpetual preferred stock
  • $22,000Common stock
  • $22,801Surplus
  • $34,022Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,534Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,869Income earned, not collected on loans
  • $0Earning assets
  • $3,335Long-term assets (5+ years)
  • $876,592Average Assets, year-to-date
  • $309,432Average Assets, quarterly
  • $868,653Volatile liabilities
  • $927,252Insider loans
  • $658,429FHLB advances
  • $909,708Loans and leases held for sale
  • $18,027Unused loan commitments
  • $15,101Tier 1 (core) risk-based capital
  • $76,757Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $2,926Total unused commitments
  • $156,959Restructured Loans and leases
  • $11,383Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $35,906Total interest income
  • $3,116Total interest expense
  • $32,790Net interest income
  • $714Provision for loan and lease losses
  • $9,065Total noninterest income
  • $2,695Fiduciary activities
  • $1,815Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,555Additional noninterest income
  • $29,380Total noninterest expense
  • $18,639Salaries and employee benefits
  • $3,581Premises and equipment expense
  • $7,160Additional noninterest expense
  • $11,761Pre-tax net operating income
  • $134Securities gains (losses)
  • $0Applicable income taxes
  • $11,895Income before extraordinary items
  • $0Extraordinary gains - net
  • $11,895Net income attributable to bank
  • $0Net charge-offs
  • $11,895Cash dividends
  • $358Sale, conversion, retirement of capital stock, net
  • $4,645Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.46%Yield on earning assets
  • 0.39%Cost of funding earning assets
  • 4.08%Net interest margin
  • 1.13%Noninterest income to earning assets
  • 3.65%Noninterest expense to earning assets
  • 1.35%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 15.70%Return on equity (ROE)
  • 9.57%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 199.44%Credit loss provision to net charge-offs
  • 34.85%Efficiency ratio
  • 69,808Assets per employee
  • 4.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.05%Loss allowance to loans
  • 1.23%Loss allowance to noncurrent loans
  • 76.84%Noncurrent assets plus other real estate owned to assets
  • 0.97%Noncurrent loans to loans
  • 1.60%Net loans and leases to deposits
  • 66.30%Net loans and leases to core deposits
  • 72.12%Equity capital to assets
  • 8.30%Core capital (leverage) ratio
  • 8.44%Tier 1 risk-based capital ratio
  • 11.66%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $868,653Average earning assets
  • $75,762Average equity
  • $804,298Average 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
  • $665,475Managed Assets
  • 1Number of Accounts
  • $447,397Personal trust and agency accounts
  • $384,266Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $13,672Other retirement accounts
  • $25,549Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $23,910Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 595Number of Accounts
  • $0Personal trust and agency accounts
  • $23,920Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $218,078Other retirement accounts
  • $43,790Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $3,608Fiduciary accounts held in foreign offices

List of branches

  • 13 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010634Jefferson Bank2900 Fredericksburg Road, San Antonio, TX 78201August 12, 1946Full Service Brick and Mortar
    117461Leon Valley Branch7666 Bandera Road, San Antonio, TX 78238July 09, 1984Full Service Brick and Mortar
    3238135Broadway Branch6021 Broadway, San Antonio, TX 78209January 10, 1994Full Service Brick and Mortar
    4238136Loop 410 Branch1777 Northeast Loop 410, San Antonio, TX 78217September 05, 1995Full Service Brick and Mortar
    5238137Stone Oak Branch19002 Stone Oak Parkway, San Antonio, TX 78258April 28, 1998Full Service Brick and Mortar
    6238138Sunset Ridge Branch6310 N New Braunfels Avenue, San Antonio, TX 78209April 12, 1999Full Service Brick and Mortar
    7359646Navarro Branch711 Navarro, San Antonio, TX 78205April 05, 2001Full Service Brick and Mortar
    8419405Blanco Road Branch14614 Blanco Road, San Antonio, TX 78216December 16, 2002Full Service Brick and Mortar
    9428724Mortgage Banking Center6015 Broadway, San Antonio, TX 78209June 07, 2004Full Service Brick and Mortar
    10441131New Braunfels Banking Center1551 North Walnut Ave., Suite 44, New Braunfels, TX 78130June 20, 2005Full Service Brick and Mortar
    11465757Boerne Banking Center Branch211 North Main, Boerne, TX 78006October 16, 2006Full Service Brick and Mortar
    12512903Stone Oak Methodist Banking Center1139 E. Sonterra Blvd., San Antonio, TX 78258October 01, 2010
    13521300Stone Oak Methodist Banking Center B1139 E. Sonterra Blvd., San Antonio, TX 78258October 01, 2010Limited Service Facility

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