The Fort Jennings State Bank in Fort Jennings, Ohio (OH)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Fort Jennings State Bank - Overview

  • General
  • FDIC Certificate #: 13209
    Status: Active
    Federal Reserve ID: 830113
    Bank Holding Company (Regulatory Top Holder): Fjsb Bancshares, Inc. (RSSDID: 2524443, Location: Fort Jennings, OH)
    Date Established: January 01, 1918
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 13772
    FDIC's unique #: 8357
    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: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 120 North Water St., Fort Jennings, OH 45844
    County: Putnam
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Columbus
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $145.3 mil
    Equity capital: $12.5 mil
    Deposits held in domestic offices: $131.7 mil
    Return on assets (ROA): 1.01% ($1.5 mil)
    Quarterly return on assets: 0.97% ($1.4 mil)
    Return on Equity (ROE): 12.36% ($1.5 mil)
    Quarterly return on equity: 11.38% ($1.4 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.47% ($2,135.5 mil)
    Quarterly Pretax return on assets: 1.77% ($2,571.3 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
  • 33Total employees (full-time equivalent)
  • $145,271Total assets
  • $5,649Cash and due from depository institutions
  • $720Interest-bearing balances
  • $16,897Securities
  • $6,962Federal funds sold & reverse repurchase agreements
  • $107,364Net loans & leases
  • $1,358Loan loss allowance
  • $0Trading account assets
  • $3,351Bank premises and fixed assets
  • $0Other real estate owned
  • $366Goodwill and other intangibles
  • $145,271Life insurance assets
  • $4,682All other assets
  • $132,797Total liabilities and capital
  • $131,738Total liabilities
  • $115,658Total deposits
  • $131,738Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,059Subordinated debt
  • $12,474All other liabilities
  • $12,474Total equity capital
  • $12,474Total bank equity capital
  • $0Perpetual preferred stock
  • $1,250Common stock
  • $1,465Surplus
  • $9,759Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $605Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $355Income earned, not collected on loans
  • $0Earning assets
  • $663Long-term assets (5+ years)
  • $131,943Average Assets, year-to-date
  • $22,262Average Assets, quarterly
  • $143,516Volatile liabilities
  • $144,492Insider loans
  • $105,898FHLB advances
  • $143,820Loans and leases held for sale
  • $3,115Unused loan commitments
  • $3,115Tier 1 (core) risk-based capital
  • $11,572Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,237Restructured Loans and leases
  • $1,796Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,878Total interest income
  • $1,099Total interest expense
  • $5,779Net interest income
  • $410Provision for loan and lease losses
  • $461Total noninterest income
  • $0Fiduciary activities
  • $36Service charges on deposit accounts
  • $0Trading account gains & fees
  • $425Additional noninterest income
  • $3,723Total noninterest expense
  • $2,005Salaries and employee benefits
  • $453Premises and equipment expense
  • $1,265Additional noninterest expense
  • $2,107Pre-tax net operating income
  • $0Securities gains (losses)
  • $659Applicable income taxes
  • $1,448Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,448Net income attributable to bank
  • $0Net charge-offs
  • $1,448Cash dividends
  • $256Sale, conversion, retirement of capital stock, net
  • $480Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 4.41%Net interest margin
  • 0.35%Noninterest income to earning assets
  • 2.84%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.47%Pretax return on assets
  • 12.36%Return on equity (ROE)
  • 8.26%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 160.16%Credit loss provision to net charge-offs
  • 9.83%Efficiency ratio
  • 59,663Assets per employee
  • 4.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.15%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 382.54%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.33%Net loans and leases to deposits
  • 81.50%Net loans and leases to core deposits
  • 85.93%Equity capital to assets
  • 8.59%Core capital (leverage) ratio
  • 8.05%Tier 1 risk-based capital ratio
  • 10.93%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $143,516Average earning assets
  • $11,720Average equity
  • $131,172Average loans

List of branches

  • 5 Ohio Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08357The Fort Jennings State Bank120 North Water St., Fort Jennings, OH 45844January 01, 1918Full Service Brick and Mortar
    1229311Ottoville Branch120 East Main Street, Ottoville, OH 45876November 18, 1994Full Service Brick and Mortar
    2263489Columbus Grove Branch302 Delphos Road, Columbus Grove, OH 45830January 01, 1899Full Service Brick and Mortar
    3361903Leipsic Branch12 East Main Street, Leipsic, OH 45856April 16, 2001Full Service Brick and Mortar
    4445435Ottawa Branch1300 North Locust Street, Ottawa, OH 45875October 17, 2005Full Service Brick and Mortar

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