Jonestown Bank and Trust Company, of Jonestown, Pennsylvania in Jonestown, Pennsylvania (PA)

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Jonestown Bank and Trust Company, of Jonestown, Pennsylvania routing number info

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Jonestown Bank and Trust Company, of Jonestown, Pennsylvania
GeneralFDIC Certificate #: 10677
Status: Active
Federal Reserve ID: 653611
Date Established: January 01, 1873
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: No)
OTS Docket #: 11207
FDIC's unique #: 6851
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: Consumer Lending Specialization
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: 2 West Market Street, Jonestown, PA 17038
County: Lebanon
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Harrisburg
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Harrisburg-Lebanon-Carlisle, PA (#3240)
Combined Statistical Area (CSA): Harrisburg-Carlisle-Lebanon, PA (#276)
Core Based Statistical Area (CBSA): Lebanon, PA (#30140)
CBSA Metro Statistical Area: Lebanon, PA (#30140)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $378.3 mil
Equity capital: $36.1 mil
Deposits held in domestic offices: $332.8 mil
Return on assets (ROA): 1.02% ($3.9 mil)
Quarterly return on assets: 1.30% ($4.9 mil)
Return on Equity (ROE): 11.27% ($4.1 mil)
Quarterly return on equity: 13.48% ($4.9 mil)
Net income: $3.7 mil
Quarterly Net income: $1.2 mil
Pretax return on assets: 1.44% ($5,447.7 mil)
Quarterly Pretax return on assets: 1.84% ($6,960.9 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)109
Total assets$378,312
Cash and due from depository institutions$23,874
Interest-bearing balances$19,849
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$302,673
Loan loss allowance $4,375
Trading account assets$0
Bank premises and fixed assets$3,440
Other real estate owned$1,097
Goodwill and other intangibles$389
All other assets$13,893
Life insurance assets$378,312
Total liabilities and capital$342,207
Total liabilities$332,788
Total deposits$299,960
Interest-bearing deposits$332,788
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$6,355
Other borrowed funds $0
Subordinated debt $3,064
All other liabilities $36,105
Total equity capital$36,105
Total bank equity capital$36,105
Perpetual preferred stock$4,000
Common stock$3,022
Undivided profits $25,871
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $50
Income earned, not collected on loans $7,311
Earning assets $0
Long-term assets (5+ years) $3,355
Average Assets, year-to-date $355,468
Average Assets, quarterly $113,992
Volatile liabilities $362,256
Insider loans $373,770
FHLB advances $331,990
Loans and leases held for sale $360,170
Unused loan commitments $6,014
Tier 1 (core) risk-based capital $6,014
Tier 2 risk-based capital $36,131
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $53,663
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $16,256
Total interest expense $3,367
Net interest income $12,889
Provision for loan and lease losses $726
Total noninterest income $2,672
Fiduciary activities $217
Service charges on deposit accounts $905
Trading account gains & fees $0
Additional noninterest income $1,550
Total noninterest expense $9,630
Salaries and employee benefits $4,764
Premises and equipment expense $1,451
Additional noninterest expense $3,415
Pre-tax net operating income $5,205
Securities gains (losses) $0
Applicable income taxes $1,508
Income before extraordinary items $3,697
Extraordinary gains - net $0
Net income attributable to bank $3,697
Net charge-offs $0
Cash dividends $3,697
Sale, conversion, retirement of capital stock, net $484
Net operating income $1,584
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.79%
Cost of funding earning assets 0.99%
Net interest margin 3.80%
Noninterest income to earning assets 0.79%
Noninterest expense to earning assets 2.84%
Net operating income to assets 1.02%
Return on assets (ROA) 1.02%
Pretax return on assets 1.44%
Return on equity (ROE) 11.27%
Retained earnings to average equity (YTD only) 6.44%
Net charge-offs to loans 0.16%
Credit loss provision to net charge-offs 150.00%
Efficiency ratio12.25%
Assets per employee$61,885
Cash dividends to net income (YTD only)3.47%
Condition Ratios (%)
Loss allowance to loans 42.85%
Loss allowance to noncurrent loans 1.42%
Noncurrent assets plus other real estate owned to assets 59.84%
Noncurrent loans to loans 2.22%
Net loans and leases to deposits2.38%
Net loans and leases to core deposits 90.95%
Equity capital to assets 101.03%
Core capital (leverage) ratio 9.54%
Tier 1 risk-based capital ratio 10.03%
Total risk-based capital ratio 10.88%
Average assets$12
Average earning assets$362,256
Average equity $32,797
Average loans $339,441
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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$25,395
Number of Accounts1
Personal trust and agency accounts$25,371
Employee benefit-defined contribution accounts$9,905
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$4,515
Investment management agency accounts$0
Other fiduciary accounts$10,951
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts120
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$4,515
Employee benefit-defined benefit accounts$0
Other retirement accounts$24
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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11 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06851Jonestown Bank And Trust Company, Of Jonestown, Pennsylvania2 West Market Street, Jonestown, PA 17038January 01, 1873Full Service Brick and Mortar
1222875Grantville BranchRoute 1, Grantville, PA 17028August 02, 1974Full Service Brick and Mortar
2222876North Lebanon Township BranchRoute 72 And Long Lane, North Lebanon Township, PA 17042March 02, 1981Full Service Brick and Mortar
3222877Lebanon Office BranchRoute 422 And Bowman Street, Lebanon, PA 17042October 05, 1990Full Service Brick and Mortar
4222878Newmanstown Branch25 East Main Street, Newmanstown, PA 17073July 18, 1995Full Service Brick and Mortar
5222879East Penn Avenue Branch421 East Penn Avenue, Cleona, PA 17042July 15, 1998Full Service Brick and Mortar
6222880Quentin Road Branch1765 Quentin Road, Lebanon, PA 17042December 10, 1998Full Service Brick and Mortar
7356847Lebanon Valley Brethren Home Office1200 Grubb Road, Palmyra, PA 17078June 12, 2000Limited Service Facility
8364090Palmyra Branch2 East Main Street, Palmyra, PA 17078June 26, 2002Full Service Brick and Mortar
9510407Northside Commons Branch101 Northside Commons, Palmyra, PA 17078Febuary 22, 2010Full Service Brick and Mortar
10525946Ephrata Branch1001 Sharp Avenue, Ephrata, PA 17522October 03, 2011Full Service Brick and Mortar
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