Jefferson Bank of Florida in Oldsmar, Florida (FL)



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Jefferson Bank of Florida routing number info

Table of contents:
Jefferson Bank of Florida
GeneralFDIC Certificate #: 58672
Status: Active
Federal Reserve ID: 3667105
Date Established: December 03, 2007
WWW: http://www.jeffersonbankfl.com
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
LocationAddress: 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 ChangesName Change
Change in Geographic Region/Area/Territory/Field Office
New Institution
Financial SummaryTotal 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)
Total employees (full-time equivalent)30
Total assets$140,757
Cash and due from depository institutions$1,504
Interest-bearing balances$180
Securities$62,639
Federal funds sold & reverse repurchase agreements$50
Net loans & leases$72,112
Loan loss allowance $1,925
Trading account assets$0
Bank premises and fixed assets$1,287
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$3,165
Life insurance assets$140,757
Total liabilities and capital$119,599
Total liabilities$101,717
Total deposits$87,123
Interest-bearing deposits$101,717
Deposits held in domestic offices$77
% insured (estimated)4320.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,075
Other borrowed funds $0
Subordinated debt $487
All other liabilities $21,158
Total equity capital$21,158
Total bank equity capital$21,158
Perpetual preferred stock$3,367
Common stock$10,000
Surplus$10,325
Undivided profits $-2,534
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $2,150
Income earned, not collected on loans $783
Earning assets $0
Long-term assets (5+ years) $419
Average Assets, year-to-date $134,981
Average Assets, quarterly $69,012
Volatile liabilities $125,916
Insider loans $139,857
FHLB advances $83,157
Loans and leases held for sale $138,075
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $19,561
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $17,782
Derivatives$4,443
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,294
Total interest expense $779
Net interest income $4,515
Provision for loan and lease losses $142
Total noninterest income $458
Fiduciary activities $0
Service charges on deposit accounts $76
Trading account gains & fees $0
Additional noninterest income $382
Total noninterest expense $3,985
Salaries and employee benefits $2,176
Premises and equipment expense $566
Additional noninterest expense $1,243
Pre-tax net operating income $846
Securities gains (losses) $23
Applicable income taxes $347
Income before extraordinary items $522
Extraordinary gains - net $0
Net income attributable to bank $522
Net charge-offs $0
Cash dividends $522
Sale, conversion, retirement of capital stock, net $429
Net operating income $15
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.42%
Cost of funding earning assets 0.65%
Net interest margin 3.77%
Noninterest income to earning assets 0.38%
Noninterest expense to earning assets 3.32%
Net operating income to assets 0.40%
Return on assets (ROA) 0.41%
Pretax return on assets 0.69%
Return on equity (ROE) 2.88%
Retained earnings to average equity (YTD only) 2.79%
Net charge-offs to loans 0.63%
Credit loss provision to net charge-offs 33.10%
Efficiency ratio2.30%
Assets per employee$80,133
Cash dividends to net income (YTD only)4.69%
Condition Ratios (%)
Loss allowance to loans 2.87%
Loss allowance to noncurrent loans 2.60%
Noncurrent assets plus other real estate owned to assets 245.85%
Noncurrent loans to loans 0.56%
Net loans and leases to deposits1.06%
Net loans and leases to core deposits 70.89%
Equity capital to assets 95.35%
Core capital (leverage) ratio 15.03%
Tier 1 risk-based capital ratio 14.17%
Total risk-based capital ratio 23.52%
Memoranda
Average assets$25
Average earning assets$125,916
Average equity $18,151
Average loans $119,864
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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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