The First National Bank of Jackson in Jackson, Kentucky (KY)
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| The First National Bank of Jackson | |
|---|---|
| General | FDIC Certificate #: 2698 Status: Active Federal Reserve ID: 620015 Bank Holding Company (Regulatory Top Holder): First National Holding Company Of Jackson, The (RSSDID: 1132168, Location: Jackson, KY) Date Established: January 01, 1909 WWW: http://www.firstnationalbankjackson.com Trust Powers Granted: No Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 2 (Domestic: 2, Interstate: No) FDIC's unique #: 1743 Numeric code: 3 Regulator: OCC 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: No Subchapter S Corporations: No Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: June 01, 2010 Last Structure Change Process Date: June 01, 2010 Last Data Update: June 01, 2010 Data Source Date: April 05, 2012 |
| Location | Address: 1126 Main Street, Jackson, KY 41339 County: Breathitt Quarterly Banking Profile Region: Chicago FDIC Geographic Region: Chicago FDIC Supervisory Region: Chicago FDIC Field Office: Lexington Office of the Comptroller the Currency (OCC) District: Central Office of Thrift Supervision Region: Southeast |
| History of Changes | Change in Location |
| Financial Summary | Total assets: $116.3 mil Equity capital: $16.1 mil Deposits held in domestic offices: $99.4 mil Return on assets (ROA): 0.51% ($0.6 mil) Quarterly return on assets: -0.20% (-$0.2 mil) Return on Equity (ROE): 3.80% ($0.6 mil) Quarterly return on equity: -1.41% (-$0.2 mil) Net income: $0.6 mil Quarterly Net income: -$0.1 mil Pretax return on assets: 0.61% ($709.6 mil) Quarterly Pretax return on assets: -0.14% (-$162.9 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 33 |
| Total assets | $116,325 |
| Cash and due from depository institutions | $14,853 |
| Interest-bearing balances | $12,153 |
| Securities | $46,792 |
| Federal funds sold & reverse repurchase agreements | $3,580 |
| Net loans & leases | $47,239 |
| Loan loss allowance | $477 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $1,070 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $2,791 |
| Life insurance assets | $116,325 |
| Total liabilities and capital | $100,188 |
| Total liabilities | $99,445 |
| Total deposits | $87,124 |
| Interest-bearing deposits | $99,445 |
| Deposits held in domestic offices | $80 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $743 |
| All other liabilities | $16,137 |
| Total equity capital | $16,137 |
| Total bank equity capital | $16,137 |
| Perpetual preferred stock | $0 |
| Common stock | $560 |
| Surplus | $5,200 |
| Undivided profits | $10,377 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $326 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $509 |
| Average Assets, year-to-date | $109,764 |
| Average Assets, quarterly | $54,792 |
| Volatile liabilities | $115,510 |
| Insider loans | $116,582 |
| FHLB advances | $52,909 |
| Loans and leases held for sale | $116,231 |
| Unused loan commitments | $736 |
| Tier 1 (core) risk-based capital | $736 |
| Tier 2 risk-based capital | $15,707 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $3,339 |
| Derivatives | $398 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $4,544 |
| Total interest expense | $981 |
| Net interest income | $3,563 |
| Provision for loan and lease losses | $33 |
| Total noninterest income | $565 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $454 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $111 |
| Total noninterest expense | $3,297 |
| Salaries and employee benefits | $1,787 |
| Premises and equipment expense | $531 |
| Additional noninterest expense | $979 |
| Pre-tax net operating income | $798 |
| Securities gains (losses) | $8 |
| Applicable income taxes | $118 |
| Income before extraordinary items | $688 |
| Extraordinary gains - net | -$98 |
| Net income attributable to bank | $590 |
| Net charge-offs | $0 |
| Cash dividends | $590 |
| Sale, conversion, retirement of capital stock, net | $93 |
| Net operating income | $14 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.21% |
| Cost of funding earning assets | 0.91% |
| Net interest margin | 3.30% |
| Noninterest income to earning assets | 0.52% |
| Noninterest expense to earning assets | 3.05% |
| Net operating income to assets | 0.59% |
| Return on assets (ROA) | 0.51% |
| Pretax return on assets | 0.61% |
| Return on equity (ROE) | 3.80% |
| Retained earnings to average equity (YTD only) | 3.71% |
| Net charge-offs to loans | 0.18% |
| Credit loss provision to net charge-offs | 35.48% |
| Efficiency ratio | 8.94% |
| Assets per employee | $79,869 |
| Cash dividends to net income (YTD only) | 3.52% |
| Condition Ratios (%) | |
| Loss allowance to loans | 2.37% |
| Loss allowance to noncurrent loans | 1.00% |
| Noncurrent assets plus other real estate owned to assets | 146.32% |
| Noncurrent loans to loans | 0.28% |
| Net loans and leases to deposits | 0.68% |
| Net loans and leases to core deposits | 47.50% |
| Equity capital to assets | 64.30% |
| Core capital (leverage) ratio | 13.87% |
| Tier 1 risk-based capital ratio | 13.51% |
| Total risk-based capital ratio | 29.69% |
| Memoranda | |
| Average assets | $31 |
| Average earning assets | $115,510 |
| Average equity | $15,518 |
| Average loans | $107,937 |
| 2 Kentucky Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 1743 | The First National Bank Of Jackson | 1126 Main Street, Jackson, KY 41339 | January 01, 1909 | Full Service Brick and Mortar |  |
| 1 | 193880 | Lester Smith Parkway Branch | North Jackson Plaza Highway 15, Jackson, KY 41339 | March 01, 1977 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.