The First National Bank of Jeffersonville in Jeffersonville, New York (NY)
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The First National Bank of Jeffersonville routing number info
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| The First National Bank of Jeffersonville | |
|---|---|
| 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 122 |
| Total assets | $432,839 |
| Cash and due from depository institutions | $11,673 |
| Interest-bearing balances | $4,270 |
| Securities | $113,583 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $271,926 |
| Loan loss allowance | $4,712 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $4,560 |
| Other real estate owned | $2,954 |
| Goodwill and other intangibles | $0 |
| All other assets | $28,143 |
| Life insurance assets | $432,839 |
| Total liabilities and capital | $385,856 |
| Total liabilities | $359,917 |
| Total deposits | $298,268 |
| Interest-bearing deposits | $359,917 |
| Deposits held in domestic offices | $90 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $15,000 |
| Other borrowed funds | $0 |
| Subordinated debt | $10,939 |
| All other liabilities | $46,983 |
| Total equity capital | $46,983 |
| Total bank equity capital | $46,983 |
| Perpetual preferred stock | $0 |
| Common stock | $672 |
| Surplus | $700 |
| Undivided profits | $45,611 |
| 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 | $10,127 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,797 |
| Average Assets, year-to-date | $389,779 |
| Average Assets, quarterly | $196,297 |
| Volatile liabilities | $438,419 |
| Insider loans | $438,913 |
| FHLB advances | $283,358 |
| Loans and leases held for sale | $434,113 |
| Unused loan commitments | $15,342 |
| Tier 1 (core) risk-based capital | $13,860 |
| Tier 2 risk-based capital | $46,476 |
| Total risk weighted assets | $0 |
| Total unused commitments | $1,482 |
| Restructured Loans and leases | $37,070 |
| Derivatives | $3,744 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $21,155 |
| Total interest expense | $3,168 |
| Net interest income | $17,987 |
| Provision for loan and lease losses | $2,200 |
| Total noninterest income | $2,873 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $1,494 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,379 |
| Total noninterest expense | $14,037 |
| Salaries and employee benefits | $7,946 |
| Premises and equipment expense | $2,074 |
| Additional noninterest expense | $4,017 |
| Pre-tax net operating income | $4,623 |
| Securities gains (losses) | $22 |
| Applicable income taxes | $555 |
| Income before extraordinary items | $4,090 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $4,090 |
| Net charge-offs | $0 |
| Cash dividends | $4,090 |
| Sale, conversion, retirement of capital stock, net | $1,823 |
| Net operating income | $2,400 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.34% |
| Cost of funding earning assets | 0.80% |
| Net interest margin | 4.54% |
| Noninterest income to earning assets | 0.73% |
| Noninterest expense to earning assets | 3.54% |
| Net operating income to assets | 0.93% |
| Return on assets (ROA) | 0.93% |
| Pretax return on assets | 1.06% |
| Return on equity (ROE) | 8.84% |
| Retained earnings to average equity (YTD only) | 3.65% |
| Net charge-offs to loans | 0.66% |
| Credit loss provision to net charge-offs | 120.68% |
| Efficiency ratio | 3.74% |
| Assets per employee | $67,291 |
| Cash dividends to net income (YTD only) | 3.55% |
| Condition Ratios (%) | |
| Loss allowance to loans | 58.68% |
| Loss allowance to noncurrent loans | 1.70% |
| Noncurrent assets plus other real estate owned to assets | 46.53% |
| Noncurrent loans to loans | 3.02% |
| Net loans and leases to deposits | 3.66% |
| Net loans and leases to core deposits | 75.55% |
| Equity capital to assets | 80.56% |
| Core capital (leverage) ratio | 10.85% |
| Tier 1 risk-based capital ratio | 10.71% |
| Total risk-based capital ratio | 16.40% |
| Memoranda | |
| Average assets | $18 |
| Average earning assets | $438,419 |
| Average equity | $46,259 |
| Average loans | $396,117 |
| 12 New York Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 4733 | The First National Bank Of Jefferson | 4864 State Route 52, Jeffersonville, NY 12748 | October 01, 1913 | Full Service Brick and Mortar |  |
| 1 | 213908 | Eldred Branch | 561 Sthy 55, Eldred, NY 12732 | March 20, 1967 | Full Service Brick and Mortar |  |
| 2 | 213909 | Loch Sheldrake Branch | 1278 State Route 52, Loch Sheldrake, NY 12759 | December 16, 1985 | Full Service Brick and Mortar | |
| 3 | 213910 | Liberty Branch | 19 Church Street, Liberty, NY 12754 | August 24, 1985 | Full Service Brick and Mortar | |
| 4 | 213911 | Monticello Branch | 19 Forestburgh Road, Monticello, NY 12701 | September 15, 1992 | Full Service Brick and Mortar | |
| 5 | 213912 | Livingston Manor Branch | 33 Main Street, Livingston Manor, NY 12758 | July 01, 1996 | Full Service Brick and Mortar | |
| 6 | 213913 | Narrowsburg Branch | 155 Kirk Road, Narrowsburg, NY 12764 | July 01, 1996 | Full Service Brick and Mortar | |
| 7 | 213914 | Callicoon Branch | 4499 State Route 17b, Callicoon, NY 12723 | Febuary 14, 1997 | Full Service Brick and Mortar | |
| 8 | 213915 | Wal-Mart Branch | 33 Anawana Lake Road, Monticello, NY 12701 | September 29, 1999 | Full Service Brick and Mortar | |
| 9 | 213916 | Wurtsboro Branch | 2930 State Rt 209, Wurtsboro, NY 12790 | March 14, 2000 | Full Service Brick and Mortar | |
| 11 | 508310 | Bloomingburg Branch | 85 Main Street, Bloomingburg, NY 12721 | January 19, 2010 | Full Service Brick and Mortar | |
| 12 | 509791 | White Lake Branch | 1460 State Route 17b, White Lake, NY 12786 | May 24, 2010 | Full Service Brick and Mortar | |
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