Johnson City Bank in Johnson City, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches


Johnson City Bank - Overview

  • General
  • FDIC Certificate #: 16176
    Status: Active
    Federal Reserve ID: 977652
    Bank Holding Company (Regulatory Top Holder): Pedernales Investment Corporation (RSSDID: 1105630, Location: Johnson City, TX)
    Date Established: August 01, 1944
    WWW: http://www.j-cbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 10382
    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 01, 1944
    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: 100 E Pecan St, Johnson City, TX 78636
    County: Blanco
    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
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $95.8 mil
    Equity capital: $12.0 mil
    Deposits held in domestic offices: $83.7 mil
    Return on assets (ROA): 1.53% ($1.5 mil)
    Quarterly return on assets: 1.36% ($1.3 mil)
    Return on Equity (ROE): 12.16% ($1.5 mil)
    Quarterly return on equity: 10.84% ($1.3 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.53% ($1,466.3 mil)
    Quarterly Pretax return on assets: 1.36% ($1,303.4 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
  • 24Total employees (full-time equivalent)
  • $95,839Total assets
  • $26,537Cash and due from depository institutions
  • $25,153Interest-bearing balances
  • $1,500Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $65,102Net loans & leases
  • $599Loan loss allowance
  • $0Trading account assets
  • $1,249Bank premises and fixed assets
  • $594Other real estate owned
  • $0Goodwill and other intangibles
  • $95,840Life insurance assets
  • $857All other assets
  • $83,806Total liabilities and capital
  • $83,742Total liabilities
  • $65,435Total deposits
  • $83,742Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $64Subordinated debt
  • $12,034All other liabilities
  • $12,034Total equity capital
  • $12,034Total bank equity capital
  • $0Perpetual preferred stock
  • $675Common stock
  • $4,925Surplus
  • $6,434Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $759Income earned, not collected on loans
  • $0Earning assets
  • $334Long-term assets (5+ years)
  • $91,755Average Assets, year-to-date
  • $14,806Average Assets, quarterly
  • $92,154Volatile liabilities
  • $95,605Insider loans
  • $57,843FHLB advances
  • $94,660Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,034Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,462Restructured Loans and leases
  • $2,308Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,475Total interest income
  • $623Total interest expense
  • $3,852Net interest income
  • $361Provision for loan and lease losses
  • $346Total noninterest income
  • $0Fiduciary activities
  • $249Service charges on deposit accounts
  • $0Trading account gains & fees
  • $97Additional noninterest income
  • $2,427Total noninterest expense
  • $1,315Salaries and employee benefits
  • $489Premises and equipment expense
  • $623Additional noninterest expense
  • $1,410Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,410Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,410Net income attributable to bank
  • $0Net charge-offs
  • $1,410Cash dividends
  • $283Sale, conversion, retirement of capital stock, net
  • $512Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.10%Yield on earning assets
  • 0.71%Cost of funding earning assets
  • 4.39%Net interest margin
  • 0.39%Noninterest income to earning assets
  • 2.76%Noninterest expense to earning assets
  • 1.53%Net operating income to assets
  • 1.53%Return on assets (ROA)
  • 1.53%Pretax return on assets
  • 12.16%Return on equity (ROE)
  • 7.75%Retained earnings to average equity (YTD only)
  • 0.43%Net charge-offs to loans
  • 127.56%Credit loss provision to net charge-offs
  • 6.26%Efficiency ratio
  • 57,813Assets per employee
  • 3.99%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.31%Loss allowance to loans
  • 0.91%Loss allowance to noncurrent loans
  • 78.92%Noncurrent assets plus other real estate owned to assets
  • 1.41%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 77.74%Net loans and leases to core deposits
  • 89.83%Equity capital to assets
  • 12.56%Core capital (leverage) ratio
  • 12.71%Tier 1 risk-based capital ratio
  • 20.80%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $92,154Average earning assets
  • $11,592Average equity
  • $87,791Average loans

List of branches

  • 1 Texas Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010382Johnson City Bank100 E Pecan St, Johnson City, TX 78636August 01, 1944Full Service Brick and Mortar

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