Jourdanton State Bank in Jourdanton, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Jourdanton State Bank - Overview

  • General
  • FDIC Certificate #: 15879
    Status: Active
    Federal Reserve ID: 602150
    Bank Holding Company (Regulatory Top Holder): Jourdanton Bancshares, Inc. (RSSDID: 3916803, Location: Jourdanton, TX)
    Date Established: Febuary 11, 1942
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 10116
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: Febuary 11, 1942
    Last Structure Change Effective Date: November 05, 2010
    Last Structure Change Process Date: Febuary 03, 2011
    Last Data Update: Febuary 03, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1301 Oak Street, Jourdanton, TX 78026
    County: Atascosa
    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
    Core Based Statistical Area (CBSA): San Antonio-New Braunfels, TX (#41700)
    CBSA Metro Statistical Area: San Antonio-New Braunfels, TX (#41700)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $113.9 mil
    Equity capital: $16.4 mil
    Deposits held in domestic offices: $96.1 mil
    Return on assets (ROA): 0.61% ($0.7 mil)
    Quarterly return on assets: 0.31% ($0.4 mil)
    Return on Equity (ROE): 3.95% ($0.6 mil)
    Quarterly return on equity: 2.06% ($0.3 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.52% ($592.3 mil)
    Quarterly Pretax return on assets: 0.07% ($79.7 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
  • 40Total employees (full-time equivalent)
  • $113,901Total assets
  • $10,261Cash and due from depository institutions
  • $7,105Interest-bearing balances
  • $61,795Securities
  • $1,200Federal funds sold & reverse repurchase agreements
  • $29,482Net loans & leases
  • $412Loan loss allowance
  • $0Trading account assets
  • $3,519Bank premises and fixed assets
  • $1,312Other real estate owned
  • $848Goodwill and other intangibles
  • $113,901Life insurance assets
  • $5,484All other assets
  • $97,509Total liabilities and capital
  • $96,054Total liabilities
  • $54,524Total deposits
  • $96,054Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,455Subordinated debt
  • $16,392All other liabilities
  • $16,392Total equity capital
  • $16,392Total bank equity capital
  • $0Perpetual preferred stock
  • $3,870Common stock
  • $1,630Surplus
  • $10,892Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $565Income earned, not collected on loans
  • $15Earning assets
  • $516Long-term assets (5+ years)
  • $99,582Average Assets, year-to-date
  • $23,972Average Assets, quarterly
  • $105,030Volatile liabilities
  • $110,124Insider loans
  • $53,738FHLB advances
  • $108,040Loans and leases held for sale
  • $3,958Unused loan commitments
  • $3,958Tier 1 (core) risk-based capital
  • $14,741Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,299Restructured Loans and leases
  • $218Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,634Total interest income
  • $122Total interest expense
  • $3,512Net interest income
  • $204Provision for loan and lease losses
  • $1,954Total noninterest income
  • $0Fiduciary activities
  • $873Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,081Additional noninterest income
  • $4,711Total noninterest expense
  • $3,077Salaries and employee benefits
  • $380Premises and equipment expense
  • $1,254Additional noninterest expense
  • $551Pre-tax net operating income
  • $0Securities gains (losses)
  • -$86Applicable income taxes
  • $637Income before extraordinary items
  • $0Extraordinary gains - net
  • $637Net income attributable to bank
  • $0Net charge-offs
  • $637Cash dividends
  • $18Sale, conversion, retirement of capital stock, net
  • $223Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.98%Yield on earning assets
  • 0.13%Cost of funding earning assets
  • 3.84%Net interest margin
  • 2.14%Noninterest income to earning assets
  • 5.15%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.52%Pretax return on assets
  • 3.95%Return on equity (ROE)
  • 2.56%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 1133.33%Credit loss provision to net charge-offs
  • 41.94%Efficiency ratio
  • 86,187Assets per employee
  • 2.85%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.01%Loss allowance to loans
  • 1.38%Loss allowance to noncurrent loans
  • 72.92%Noncurrent assets plus other real estate owned to assets
  • 1.65%Noncurrent loans to loans
  • 1.89%Net loans and leases to deposits
  • 30.69%Net loans and leases to core deposits
  • 31.06%Equity capital to assets
  • 14.39%Core capital (leverage) ratio
  • 13.64%Tier 1 risk-based capital ratio
  • 27.43%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $105,030Average earning assets
  • $16,146Average equity
  • $91,388Average loans

List of branches

  • 4 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010116Jourdanton State Bank1301 Oak Street, Jourdanton, TX 78026Febuary 11, 1942Full Service Brick and Mortar
    135236San Antonio Branch13333 Blanco Road, San Antonio, TX 78216Febuary 20, 1986Full Service Brick and Mortar
    2235699Lincoln Heights Branch120 East Basse Road, San Antonio, TX 78209November 10, 1997Full Service Brick and Mortar
    3235700Pearsall Branch1837 W. Comal St, Pearsall, TX 78061May 04, 1999Full Service Brick and Mortar

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