Jersey State Bank in Jerseyville, Illinois (IL)
Overview, Financial Summary, Detailed Financial Reports, Branches

Jersey State Bank - Overview

  • General
  • FDIC Certificate #: 12384
    Status: Active
    Federal Reserve ID: 482446
    Bank Holding Company (Regulatory Top Holder): Jsb Bancorp, Inc. (RSSDID: 1141692, Location: Jerseyville, IL)
    Date Established: January 28, 1903
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 7875
    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: All Other Specialization < 1 Billion
    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: 1000 South State Street, Jerseyville, IL 62052
    County: Jersey
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Springfield Il
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): St. Louis, MO-IL (#7040)
    Combined Statistical Area (CSA): St. Louis-St. Charles-Farmington, MO-IL (#476)
    Core Based Statistical Area (CBSA): St. Louis, MO-IL (#41180)
    CBSA Metro Statistical Area: St. Louis, MO-IL (#41180)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $141.8 mil
    Equity capital: $12.9 mil
    Deposits held in domestic offices: $123.6 mil
    Return on assets (ROA): 1.16% ($1.6 mil)
    Quarterly return on assets: 1.67% ($2.4 mil)
    Return on Equity (ROE): 13.60% ($1.8 mil)
    Quarterly return on equity: 18.37% ($2.4 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.51% ($2,141.2 mil)
    Quarterly Pretax return on assets: 2.44% ($3,460.0 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
  • 36Total employees (full-time equivalent)
  • $141,804Total assets
  • $9,874Cash and due from depository institutions
  • $7,715Interest-bearing balances
  • $65,341Securities
  • $1,389Federal funds sold & reverse repurchase agreements
  • $57,196Net loans & leases
  • $908Loan loss allowance
  • $0Trading account assets
  • $1,770Bank premises and fixed assets
  • $278Other real estate owned
  • $242Goodwill and other intangibles
  • $141,804Life insurance assets
  • $5,714All other assets
  • $128,857Total liabilities and capital
  • $123,596Total liabilities
  • $108,758Total deposits
  • $123,596Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 2549.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,712Subordinated debt
  • $12,947All other liabilities
  • $12,947Total equity capital
  • $12,947Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $2,650Surplus
  • $9,697Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $124Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $452Income earned, not collected on loans
  • $0Earning assets
  • $864Long-term assets (5+ years)
  • $131,641Average Assets, year-to-date
  • $53,608Average Assets, quarterly
  • $138,672Volatile liabilities
  • $140,580Insider loans
  • $73,722FHLB advances
  • $143,010Loans and leases held for sale
  • $2,767Unused loan commitments
  • $2,767Tier 1 (core) risk-based capital
  • $10,932Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,453Restructured Loans and leases
  • $3,160Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,427Total interest income
  • $1,498Total interest expense
  • $3,929Net interest income
  • $277Provision for loan and lease losses
  • $1,895Total noninterest income
  • $76Fiduciary activities
  • $462Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,357Additional noninterest income
  • $3,460Total noninterest expense
  • $1,888Salaries and employee benefits
  • $331Premises and equipment expense
  • $1,241Additional noninterest expense
  • $2,087Pre-tax net operating income
  • $7Securities gains (losses)
  • $488Applicable income taxes
  • $1,606Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,606Net income attributable to bank
  • $0Net charge-offs
  • $1,606Cash dividends
  • $191Sale, conversion, retirement of capital stock, net
  • $444Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.24%Yield on earning assets
  • 1.17%Cost of funding earning assets
  • 3.07%Net interest margin
  • 1.48%Noninterest income to earning assets
  • 2.70%Noninterest expense to earning assets
  • 1.15%Net operating income to assets
  • 1.16%Return on assets (ROA)
  • 1.51%Pretax return on assets
  • 13.60%Return on equity (ROE)
  • 9.84%Retained earnings to average equity (YTD only)
  • 0.35%Net charge-offs to loans
  • 145.03%Credit loss provision to net charge-offs
  • 12.38%Efficiency ratio
  • 59,409Assets per employee
  • 3.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.65%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 200.88%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 0.78%Net loans and leases to deposits
  • 46.28%Net loans and leases to core deposits
  • 47.39%Equity capital to assets
  • 9.13%Core capital (leverage) ratio
  • 7.64%Tier 1 risk-based capital ratio
  • 14.83%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $138,672Average earning assets
  • $11,807Average equity
  • $127,991Average 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
  • $17,914Managed Assets
  • 1Number of Accounts
  • $2,330Personal trust and agency accounts
  • $2,330Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 14Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $15,584Other retirement accounts
  • $15,584Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 2 Illinois Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07875Jersey State Bank1000 South State Street, Jerseyville, IL 62052January 28, 1903Full Service Brick and Mortar
    1227031Grafton Banking Facility14 East Main Street, Grafton, IL 62037November 16, 1987Full Service Brick and Mortar

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