Petit Jean State Bank in Morrilton, Arkansas (AR)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Petit Jean State Bank in Morrilton, Arkansas (AR)
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Petit Jean State Bank - Overview

  • General
  • FDIC Certificate #: 35084
    Status: Active
    Federal Reserve ID: 2769570
    Bank Holding Company (Regulatory Top Holder): Petit Jean Bancshares, Inc. (RSSDID: 2877402, Location: Morrilton, AR)
    Date Established: Febuary 16, 1999
    WWW: http://www.pjsb.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 74661
    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: Febuary 16, 1999
    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: 707 North St. Joseph Street, Morrilton, AR 72110
    County: Conway
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Little Rock
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $153.3 mil
    Equity capital: $15.5 mil
    Deposits held in domestic offices: $132.9 mil
    Return on assets (ROA): 0.84% ($1.3 mil)
    Quarterly return on assets: 1.06% ($1.6 mil)
    Return on Equity (ROE): 8.65% ($1.3 mil)
    Quarterly return on equity: 10.91% ($1.6 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.17% ($1,793.1 mil)
    Quarterly Pretax return on assets: 1.29% ($1,977.0 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
  • 29Total employees (full-time equivalent)
  • $153,256Total assets
  • $20,404Cash and due from depository institutions
  • $13,702Interest-bearing balances
  • $58,273Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $66,415Net loans & leases
  • $3,566Loan loss allowance
  • $0Trading account assets
  • $2,679Bank premises and fixed assets
  • $621Other real estate owned
  • $0Goodwill and other intangibles
  • $153,256Life insurance assets
  • $4,864All other assets
  • $137,799Total liabilities and capital
  • $132,879Total liabilities
  • $112,791Total deposits
  • $132,879Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 3968.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $318Trading liabilities
  • $0Other borrowed funds
  • $634Subordinated debt
  • $15,457All other liabilities
  • $15,457Total equity capital
  • $15,457Total bank equity capital
  • $0Perpetual preferred stock
  • $50Common stock
  • $6,625Surplus
  • $8,782Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,836Income earned, not collected on loans
  • $0Earning assets
  • $941Long-term assets (5+ years)
  • $138,390Average Assets, year-to-date
  • $52,093Average Assets, quarterly
  • $152,000Volatile liabilities
  • $156,966Insider loans
  • $78,643FHLB advances
  • $157,433Loans and leases held for sale
  • $2,584Unused loan commitments
  • $2,584Tier 1 (core) risk-based capital
  • $15,457Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,338Restructured Loans and leases
  • $2,076Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,120Total interest income
  • $1,364Total interest expense
  • $5,756Net interest income
  • $1,550Provision for loan and lease losses
  • $666Total noninterest income
  • $0Fiduciary activities
  • $241Service charges on deposit accounts
  • $0Trading account gains & fees
  • $425Additional noninterest income
  • $3,093Total noninterest expense
  • $1,370Salaries and employee benefits
  • $302Premises and equipment expense
  • $1,421Additional noninterest expense
  • $1,779Pre-tax net operating income
  • $0Securities gains (losses)
  • $503Applicable income taxes
  • $1,276Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,276Net income attributable to bank
  • $0Net charge-offs
  • $1,276Cash dividends
  • $858Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.14%Yield on earning assets
  • 0.99%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.48%Noninterest income to earning assets
  • 2.23%Noninterest expense to earning assets
  • 0.84%Net operating income to assets
  • 0.84%Return on assets (ROA)
  • 1.17%Pretax return on assets
  • 8.65%Return on equity (ROE)
  • 8.65%Retained earnings to average equity (YTD only)
  • 1.18%Net charge-offs to loans
  • 180.65%Credit loss provision to net charge-offs
  • 3.88%Efficiency ratio
  • 48,163Assets per employee
  • 5.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 5.10%Loss allowance to noncurrent loans
  • 194.23%Noncurrent assets plus other real estate owned to assets
  • 1.60%Noncurrent loans to loans
  • 2.62%Net loans and leases to deposits
  • 49.98%Net loans and leases to core deposits
  • 52.46%Equity capital to assets
  • 10.09%Core capital (leverage) ratio
  • 9.82%Tier 1 risk-based capital ratio
  • 19.65%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $152,000Average earning assets
  • $14,753Average equity
  • $138,400Average loans

List of branches

  • 2 Arkansas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    074661Petit Jean State Bank707 North St. Joseph Street, Morrilton, AR 72110Febuary 16, 1999Full Service Brick and Mortar
    1489809Petit Jean State Bank University Bra1620 University Boulevard, Morrilton, AR 72110March 09, 2009Full Service Brick and Mortar

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