The Jacksonville Bank in Jacksonville, Florida (FL)

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The Jacksonville Bank routing number info

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The Jacksonville Bank
GeneralFDIC Certificate #: 34941
Status: Active
Federal Reserve ID: 2737775
Bank Holding Company (Regulatory Top Holder): Capgen Capital Group Iv Lp (RSSDID: 4131667, Location: New York, NY)
Date Established: May 28, 1999
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
FDIC's unique #: 62115
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: May 28, 1999
Last Structure Change Effective Date: November 17, 2010
Last Structure Change Process Date: November 30, 2010
Last Data Update: November 30, 2010
Data Source Date: April 05, 2012
LocationAddress: 100 North Laura Street, Jacksonville, FL 32202
County: Duval
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Gainesville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Jacksonville, FL (#3600)
Core Based Statistical Area (CBSA): Jacksonville, FL (#27260)
CBSA Metro Statistical Area: Jacksonville, FL (#27260)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $580.7 mil
Equity capital: $68.1 mil
Deposits held in domestic offices: $474.7 mil
Return on assets (ROA): 0.55% ($3.2 mil)
Quarterly return on assets: -0.23% (-$1.3 mil)
Return on Equity (ROE): 5.07% ($3.4 mil)
Quarterly return on equity: -1.96% (-$1.3 mil)
Net income: $3.3 mil
Quarterly Net income: -$0.3 mil
Pretax return on assets: 0.18% ($1,045.2 mil)
Quarterly Pretax return on assets: -0.94% (-$5,458.5 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)
Total employees (full-time equivalent)99
Total assets$580,688
Cash and due from depository institutions$8,838
Interest-bearing balances$2,484
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$453,996
Loan loss allowance $14,749
Trading account assets$0
Bank premises and fixed assets$6,978
Other real estate owned$8,888
Goodwill and other intangibles$11,614
All other assets$27,234
Life insurance assets$580,688
Total liabilities and capital$512,588
Total liabilities$474,673
Total deposits$451,441
Interest-bearing deposits$474,673
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$36,811
Other borrowed funds $0
Subordinated debt $1,104
All other liabilities $68,100
Total equity capital$68,100
Total bank equity capital$68,100
Perpetual preferred stock$0
Common stock$3,425
Undivided profits $2,559
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 $53,043
Earning assets $0
Long-term assets (5+ years) $2,597
Average Assets, year-to-date $519,620
Average Assets, quarterly $156,630
Volatile liabilities $611,637
Insider loans $591,223
FHLB advances $483,005
Loans and leases held for sale $566,880
Unused loan commitments $9,541
Tier 1 (core) risk-based capital $160
Tier 2 risk-based capital $44,990
Total risk weighted assets $9,381
Total unused commitments $0
Restructured Loans and leases $35,872
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $30,727
Total interest expense $5,950
Net interest income $24,777
Provision for loan and lease losses $7,978
Total noninterest income $959
Fiduciary activities $0
Service charges on deposit accounts $796
Trading account gains & fees $0
Additional noninterest income $163
Total noninterest expense $16,704
Salaries and employee benefits $7,472
Premises and equipment expense $2,524
Additional noninterest expense $6,708
Pre-tax net operating income $1,054
Securities gains (losses) $57
Applicable income taxes -$2,226
Income before extraordinary items $3,337
Extraordinary gains - net $0
Net income attributable to bank $3,337
Net charge-offs $0
Cash dividends $3,337
Sale, conversion, retirement of capital stock, net $6,298
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.56%
Cost of funding earning assets 1.08%
Net interest margin 4.48%
Noninterest income to earning assets 0.17%
Noninterest expense to earning assets 3.02%
Net operating income to assets 0.54%
Return on assets (ROA) 0.55%
Pretax return on assets 0.18%
Return on equity (ROE) 5.07%
Retained earnings to average equity (YTD only) 5.07%
Net charge-offs to loans 1.28%
Credit loss provision to net charge-offs 126.68%
Efficiency ratio1.43%
Assets per employee$62,566
Cash dividends to net income (YTD only)5.87%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 3.15%
Noncurrent assets plus other real estate owned to assets 27.81%
Noncurrent loans to loans 10.67%
Net loans and leases to deposits11.32%
Net loans and leases to core deposits 95.64%
Equity capital to assets 102.81%
Core capital (leverage) ratio 11.73%
Tier 1 risk-based capital ratio 7.94%
Total risk-based capital ratio 9.31%
Average assets$11
Average earning assets$611,637
Average equity $65,824
Average loans $552,644
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9 Florida Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
062115The Jacksonville Bank100 North Laura Street, Jacksonville, FL 32202May 28, 1999Full Service Brick and Mortar
1290857Intracoastal West12740-200 Atlantic Boulevard, Jacksonville, FL 32225May 28, 1999Full Service Brick and Mortar
2294922Downtown Branch100 North Laura Street, Jacksonville, FL 32202January 04, 2000Full Service Brick and Mortar
3448821Ortega Branch4343 Roosevelt Boulevard, Jacksonville, FL 32210Febuary 06, 2006Full Service Brick and Mortar
5452355Gate Parkway Branch7880 Gate Parkway, Jacksonville, FL 32259June 09, 2006Full Service Brick and Mortar
6510777Virtual, Jacksonville, FL 32202August 08, 2009Full Service Cyber
757043Oceanside Bank Branch1315 South Third Street, Jacksonville Beach, FL 32250July 21, 1997Full Service Brick and Mortar
8290514Neptune Beach Branch560 Atlantic Boulevard, Neptune Beach, FL 32266September 01, 1998Full Service Brick and Mortar
9364391Beach Boulevard Branch13799 Beach Boulevard, Ste. 100, Jacksonville, FL 32224August 13, 2001Full Service Brick and Mortar
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