The Jacksboro National Bank in Jacksboro, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Jacksboro National Bank - Overview

  • General
  • FDIC Certificate #: 3275
    Status: Active
    Federal Reserve ID: 924058
    Bank Holding Company (Regulatory Top Holder): Jacksboro National Bancshares, Inc. (RSSDID: 1104503, Location: Jacksboro, TX)
    Date Established: January 01, 1905
    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)
    OTS Docket #: 10209
    FDIC's unique #: 2116
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: August 17, 2009
    Last Structure Change Process Date: July 12, 2010
    Last Data Update: July 12, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 910 N Main Street, Jacksboro, TX 76458
    County: Jack
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $186.0 mil
    Equity capital: $21.2 mil
    Deposits held in domestic offices: $162.5 mil
    Return on assets (ROA): 1.42% ($2.6 mil)
    Quarterly return on assets: 1.83% ($3.4 mil)
    Return on Equity (ROE): 13.47% ($2.8 mil)
    Quarterly return on equity: 16.31% ($3.4 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.42% ($2,640.9 mil)
    Quarterly Pretax return on assets: 1.83% ($3,403.4 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
  • 45Total employees (full-time equivalent)
  • $185,980Total assets
  • $3,541Cash and due from depository institutions
  • $1,839Interest-bearing balances
  • $87,648Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $85,889Net loans & leases
  • $1,497Loan loss allowance
  • $0Trading account assets
  • $5,374Bank premises and fixed assets
  • $583Other real estate owned
  • $321Goodwill and other intangibles
  • $185,980Life insurance assets
  • $2,624All other assets
  • $164,747Total liabilities and capital
  • $162,535Total liabilities
  • $124,289Total deposits
  • $162,535Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,100Trading liabilities
  • $0Other borrowed funds
  • $112Subordinated debt
  • $21,233All other liabilities
  • $21,233Total equity capital
  • $21,233Total bank equity capital
  • $0Perpetual preferred stock
  • $300Common stock
  • $800Surplus
  • $20,133Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $116Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $413Income earned, not collected on loans
  • $0Earning assets
  • $1,387Long-term assets (5+ years)
  • $175,376Average Assets, year-to-date
  • $79,407Average Assets, quarterly
  • $179,921Volatile liabilities
  • $183,887Insider loans
  • $98,176FHLB advances
  • $183,936Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,315Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,134Restructured Loans and leases
  • $1,275Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,374Total interest income
  • $1,284Total interest expense
  • $7,090Net interest income
  • $135Provision for loan and lease losses
  • $1,165Total noninterest income
  • $0Fiduciary activities
  • $655Service charges on deposit accounts
  • $0Trading account gains & fees
  • $510Additional noninterest income
  • $5,668Total noninterest expense
  • $3,170Salaries and employee benefits
  • $852Premises and equipment expense
  • $1,646Additional noninterest expense
  • $2,452Pre-tax net operating income
  • $102Securities gains (losses)
  • $0Applicable income taxes
  • $2,554Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,554Net income attributable to bank
  • $0Net charge-offs
  • $2,554Cash dividends
  • $23Sale, conversion, retirement of capital stock, net
  • $895Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 4.18%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 1.36%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 1.42%Pretax return on assets
  • 13.47%Return on equity (ROE)
  • 8.75%Retained earnings to average equity (YTD only)
  • 0.03%Net charge-offs to loans
  • 586.96%Credit loss provision to net charge-offs
  • 112.48%Efficiency ratio
  • 68,661Assets per employee
  • 4.13%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.04%Loss allowance to loans
  • 1.71%Loss allowance to noncurrent loans
  • 362.47%Noncurrent assets plus other real estate owned to assets
  • 0.54%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 52.84%Net loans and leases to core deposits
  • 54.26%Equity capital to assets
  • 11.42%Core capital (leverage) ratio
  • 9.41%Tier 1 risk-based capital ratio
  • 17.64%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $179,921Average earning assets
  • $18,964Average equity
  • $169,721Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02116The Jacksboro National Bank910 N Main Street, Jacksboro, TX 76458January 01, 1905Full Service Brick and Mortar
    1260394Bowie Branch200 West Walnut Street, Bowie, TX 76230Febuary 27, 1998Full Service Brick and Mortar

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