Jersey State Bank in Jerseyville, Illinois (IL)

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Jersey State Bank
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)36
Total assets$141,804
Cash and due from depository institutions$9,874
Interest-bearing balances$7,715
Federal funds sold & reverse repurchase agreements$1,389
Net loans & leases$57,196
Loan loss allowance $908
Trading account assets$0
Bank premises and fixed assets$1,770
Other real estate owned$278
Goodwill and other intangibles$242
All other assets$5,714
Life insurance assets$141,804
Total liabilities and capital$128,857
Total liabilities$123,596
Total deposits$108,758
Interest-bearing deposits$123,596
Deposits held in domestic offices$92
% insured (estimated)2549.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,712
All other liabilities $12,947
Total equity capital$12,947
Total bank equity capital$12,947
Perpetual preferred stock$0
Common stock$600
Undivided profits $9,697
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $124
Income earned, not collected on loans $452
Earning assets $0
Long-term assets (5+ years) $864
Average Assets, year-to-date $131,641
Average Assets, quarterly $53,608
Volatile liabilities $138,672
Insider loans $140,580
FHLB advances $73,722
Loans and leases held for sale $143,010
Unused loan commitments $2,767
Tier 1 (core) risk-based capital $2,767
Tier 2 risk-based capital $10,932
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $10,453
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,427
Total interest expense $1,498
Net interest income $3,929
Provision for loan and lease losses $277
Total noninterest income $1,895
Fiduciary activities $76
Service charges on deposit accounts $462
Trading account gains & fees $0
Additional noninterest income $1,357
Total noninterest expense $3,460
Salaries and employee benefits $1,888
Premises and equipment expense $331
Additional noninterest expense $1,241
Pre-tax net operating income $2,087
Securities gains (losses) $7
Applicable income taxes $488
Income before extraordinary items $1,606
Extraordinary gains - net $0
Net income attributable to bank $1,606
Net charge-offs $0
Cash dividends $1,606
Sale, conversion, retirement of capital stock, net $191
Net operating income $444
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.24%
Cost of funding earning assets 1.17%
Net interest margin 3.07%
Noninterest income to earning assets 1.48%
Noninterest expense to earning assets 2.70%
Net operating income to assets 1.15%
Return on assets (ROA) 1.16%
Pretax return on assets 1.51%
Return on equity (ROE) 13.60%
Retained earnings to average equity (YTD only) 9.84%
Net charge-offs to loans 0.35%
Credit loss provision to net charge-offs 145.03%
Efficiency ratio12.38%
Assets per employee$59,409
Cash dividends to net income (YTD only)3.94%
Condition Ratios (%)
Loss allowance to loans 27.65%
Loss allowance to noncurrent loans 1.56%
Noncurrent assets plus other real estate owned to assets 200.88%
Noncurrent loans to loans 0.51%
Net loans and leases to deposits0.78%
Net loans and leases to core deposits 46.28%
Equity capital to assets 47.39%
Core capital (leverage) ratio 9.13%
Tier 1 risk-based capital ratio 7.64%
Total risk-based capital ratio 14.83%
Average assets$16
Average earning assets$138,672
Average equity $11,807
Average loans $127,991
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$17,914
Number of Accounts1
Personal trust and agency accounts$2,330
Employee benefit-defined contribution accounts$2,330
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts14
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$15,584
Corporate trust and agency accounts$15,584
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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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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