Jefferson Bank of Florida in Oldsmar, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Jefferson Bank of Florida in Oldsmar, Florida (FL)
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Jefferson Bank of Florida - Overview

  • General
  • FDIC Certificate #: 58672
    Status: Active
    Federal Reserve ID: 3667105
    Date Established: December 03, 2007
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 462573
    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: December 03, 2007
    Last Structure Change Effective Date: December 03, 2007
    Last Structure Change Process Date: December 04, 2007
    Last Data Update: December 04, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 3711 Tampa Road, Oldsmar, FL 34677
    County: Pinellas
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Tampa
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Tampa-St. Petersburg-Clearwater, FL (#8280)
    Core Based Statistical Area (CBSA): Tampa-St. Petersburg-Clearwater, FL (#45300)
    CBSA Metro Statistical Area: Tampa-St. Petersburg-Clearwater, FL (#45300)
  • History of Changes
  • Name Change
    Change in Geographic Region/Area/Territory/Field Office
    New Institution
  • Financial Summary
  • Total assets: $140.8 mil
    Equity capital: $21.2 mil
    Deposits held in domestic offices: $101.7 mil
    Return on assets (ROA): 0.41% ($0.6 mil)
    Quarterly return on assets: 0.47% ($0.7 mil)
    Return on Equity (ROE): 2.88% ($0.6 mil)
    Quarterly return on equity: 3.11% ($0.7 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.69% ($971.2 mil)
    Quarterly Pretax return on assets: 0.80% ($1,126.1 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
  • 30Total employees (full-time equivalent)
  • $140,757Total assets
  • $1,504Cash and due from depository institutions
  • $180Interest-bearing balances
  • $62,639Securities
  • $50Federal funds sold & reverse repurchase agreements
  • $72,112Net loans & leases
  • $1,925Loan loss allowance
  • $0Trading account assets
  • $1,287Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $140,757Life insurance assets
  • $3,165All other assets
  • $119,599Total liabilities and capital
  • $101,717Total liabilities
  • $87,123Total deposits
  • $101,717Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 4320.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,075Trading liabilities
  • $0Other borrowed funds
  • $487Subordinated debt
  • $21,158All other liabilities
  • $21,158Total equity capital
  • $21,158Total bank equity capital
  • $3,367Perpetual preferred stock
  • $10,000Common stock
  • $10,325Surplus
  • $-2,534Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,150Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $783Income earned, not collected on loans
  • $0Earning assets
  • $419Long-term assets (5+ years)
  • $134,981Average Assets, year-to-date
  • $69,012Average Assets, quarterly
  • $125,916Volatile liabilities
  • $139,857Insider loans
  • $83,157FHLB advances
  • $138,075Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $19,561Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,782Restructured Loans and leases
  • $4,443Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,294Total interest income
  • $779Total interest expense
  • $4,515Net interest income
  • $142Provision for loan and lease losses
  • $458Total noninterest income
  • $0Fiduciary activities
  • $76Service charges on deposit accounts
  • $0Trading account gains & fees
  • $382Additional noninterest income
  • $3,985Total noninterest expense
  • $2,176Salaries and employee benefits
  • $566Premises and equipment expense
  • $1,243Additional noninterest expense
  • $846Pre-tax net operating income
  • $23Securities gains (losses)
  • $347Applicable income taxes
  • $522Income before extraordinary items
  • $0Extraordinary gains - net
  • $522Net income attributable to bank
  • $0Net charge-offs
  • $522Cash dividends
  • $429Sale, conversion, retirement of capital stock, net
  • $15Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.42%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 3.32%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.41%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 2.88%Return on equity (ROE)
  • 2.79%Retained earnings to average equity (YTD only)
  • 0.63%Net charge-offs to loans
  • 33.10%Credit loss provision to net charge-offs
  • 2.30%Efficiency ratio
  • 80,133Assets per employee
  • 4.69%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.87%Loss allowance to loans
  • 2.60%Loss allowance to noncurrent loans
  • 245.85%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 1.06%Net loans and leases to deposits
  • 70.89%Net loans and leases to core deposits
  • 95.35%Equity capital to assets
  • 15.03%Core capital (leverage) ratio
  • 14.17%Tier 1 risk-based capital ratio
  • 23.52%Total risk-based capital ratio
  • Memoranda
  • $25Average assets
  • $125,916Average earning assets
  • $18,151Average equity
  • $119,864Average loans

List of branches

  • 3 Florida Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0462573Jefferson Bank Of Florida3711 Tampa Road, Oldsmar, FL 34677December 03, 2007Full Service Brick and Mortar
    1482167Messenger Service3711 Tampa Road, Oldsmar, FL 34677December 03, 2007Limited Service Messenger
    2526568North Pinellas Branch33920 U.S. Highway 19 North, Palm Harbor, FL 34684October 31, 2011Full Service Brick and Mortar

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