The First National Bank of Jeffersonville in Jeffersonville, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches


The First National Bank of Jeffersonville - Overview

  • General
  • FDIC Certificate #: 7123
    Status: Active
    Federal Reserve ID: 306908
    Bank Holding Company (Regulatory Top Holder): Jeffersonville Bancorp (RSSDID: 1048504, Location: Jeffersonville, NY)
    Date Established: October 01, 1913
    WWW: http://www.jeffbank.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: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 10785
    FDIC's unique #: 4733
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 4864 State Route 52, Jeffersonville, NY 12748
    County: Sullivan
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Syracuse
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $432.8 mil
    Equity capital: $47.0 mil
    Deposits held in domestic offices: $359.9 mil
    Return on assets (ROA): 0.93% ($4.0 mil)
    Quarterly return on assets: 1.03% ($4.5 mil)
    Return on Equity (ROE): 8.84% ($4.2 mil)
    Quarterly return on equity: 9.55% ($4.5 mil)
    Net income: $4.1 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.06% ($4,588.1 mil)
    Quarterly Pretax return on assets: 1.16% ($5,020.9 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
  • 122Total employees (full-time equivalent)
  • $432,839Total assets
  • $11,673Cash and due from depository institutions
  • $4,270Interest-bearing balances
  • $113,583Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $271,926Net loans & leases
  • $4,712Loan loss allowance
  • $0Trading account assets
  • $4,560Bank premises and fixed assets
  • $2,954Other real estate owned
  • $0Goodwill and other intangibles
  • $432,839Life insurance assets
  • $28,143All other assets
  • $385,856Total liabilities and capital
  • $359,917Total liabilities
  • $298,268Total deposits
  • $359,917Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $15,000Trading liabilities
  • $0Other borrowed funds
  • $10,939Subordinated debt
  • $46,983All other liabilities
  • $46,983Total equity capital
  • $46,983Total bank equity capital
  • $0Perpetual preferred stock
  • $672Common stock
  • $700Surplus
  • $45,611Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,127Income earned, not collected on loans
  • $0Earning assets
  • $1,797Long-term assets (5+ years)
  • $389,779Average Assets, year-to-date
  • $196,297Average Assets, quarterly
  • $438,419Volatile liabilities
  • $438,913Insider loans
  • $283,358FHLB advances
  • $434,113Loans and leases held for sale
  • $15,342Unused loan commitments
  • $13,860Tier 1 (core) risk-based capital
  • $46,476Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,482Total unused commitments
  • $37,070Restructured Loans and leases
  • $3,744Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $21,155Total interest income
  • $3,168Total interest expense
  • $17,987Net interest income
  • $2,200Provision for loan and lease losses
  • $2,873Total noninterest income
  • $0Fiduciary activities
  • $1,494Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,379Additional noninterest income
  • $14,037Total noninterest expense
  • $7,946Salaries and employee benefits
  • $2,074Premises and equipment expense
  • $4,017Additional noninterest expense
  • $4,623Pre-tax net operating income
  • $22Securities gains (losses)
  • $555Applicable income taxes
  • $4,090Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,090Net income attributable to bank
  • $0Net charge-offs
  • $4,090Cash dividends
  • $1,823Sale, conversion, retirement of capital stock, net
  • $2,400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.34%Yield on earning assets
  • 0.80%Cost of funding earning assets
  • 4.54%Net interest margin
  • 0.73%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 0.93%Net operating income to assets
  • 0.93%Return on assets (ROA)
  • 1.06%Pretax return on assets
  • 8.84%Return on equity (ROE)
  • 3.65%Retained earnings to average equity (YTD only)
  • 0.66%Net charge-offs to loans
  • 120.68%Credit loss provision to net charge-offs
  • 3.74%Efficiency ratio
  • 67,291Assets per employee
  • 3.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 58.68%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 46.53%Noncurrent assets plus other real estate owned to assets
  • 3.02%Noncurrent loans to loans
  • 3.66%Net loans and leases to deposits
  • 75.55%Net loans and leases to core deposits
  • 80.56%Equity capital to assets
  • 10.85%Core capital (leverage) ratio
  • 10.71%Tier 1 risk-based capital ratio
  • 16.40%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $438,419Average earning assets
  • $46,259Average equity
  • $396,117Average loans

List of branches

  • 12 New York Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04733The First National Bank Of Jefferson4864 State Route 52, Jeffersonville, NY 12748October 01, 1913Full Service Brick and Mortar
    1213908Eldred Branch561 Sthy 55, Eldred, NY 12732March 20, 1967Full Service Brick and Mortar
    2213909Loch Sheldrake Branch1278 State Route 52, Loch Sheldrake, NY 12759December 16, 1985Full Service Brick and Mortar
    3213910Liberty Branch19 Church Street, Liberty, NY 12754August 24, 1985Full Service Brick and Mortar
    4213911Monticello Branch19 Forestburgh Road, Monticello, NY 12701September 15, 1992Full Service Brick and Mortar
    5213912Livingston Manor Branch33 Main Street, Livingston Manor, NY 12758July 01, 1996Full Service Brick and Mortar
    6213913Narrowsburg Branch155 Kirk Road, Narrowsburg, NY 12764July 01, 1996Full Service Brick and Mortar
    7213914Callicoon Branch4499 State Route 17b, Callicoon, NY 12723Febuary 14, 1997Full Service Brick and Mortar
    8213915Wal-Mart Branch33 Anawana Lake Road, Monticello, NY 12701September 29, 1999Full Service Brick and Mortar
    9213916Wurtsboro Branch2930 State Rt 209, Wurtsboro, NY 12790March 14, 2000Full Service Brick and Mortar
    11508310Bloomingburg Branch85 Main Street, Bloomingburg, NY 12721January 19, 2010Full Service Brick and Mortar
    12509791White Lake Branch1460 State Route 17b, White Lake, NY 12786May 24, 2010Full Service Brick and Mortar

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