The Jefferson Bank in Fayette, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The Jefferson Bank in Fayette, Mississippi (MS)
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The Jefferson Bank - Overview

  • General
  • FDIC Certificate #: 11445
    Status: Active
    Federal Reserve ID: 703039
    Bank Holding Company (Regulatory Top Holder): Southeast Arkansas Bank Corporation (RSSDID: 1137033, Location: Lake Village, AR)
    Date Established: January 03, 1901
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 7308
    Numeric code: 21
    Regulator: FDIC
    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: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 04, 2010
    Last Structure Change Process Date: June 07, 2010
    Last Data Update: June 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1445 Main Street, Fayette, MS 39069
    County: Jefferson
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $95.1 mil
    Equity capital: $14.7 mil
    Deposits held in domestic offices: $79.8 mil
    Return on assets (ROA): 2.82% ($2.7 mil)
    Quarterly return on assets: -2.82% (-$2.7 mil)
    Return on Equity (ROE): 18.21% ($2.7 mil)
    Quarterly return on equity: -18.17% (-$2.7 mil)
    Net income: $2.7 mil
    Quarterly Net income: -$0.7 mil
    Pretax return on assets: 4.03% ($3,833.0 mil)
    Quarterly Pretax return on assets: -2.68% (-$2,549.0 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
  • 26Total employees (full-time equivalent)
  • $95,111Total assets
  • $2,788Cash and due from depository institutions
  • $844Interest-bearing balances
  • $34,217Securities
  • $15,150Federal funds sold & reverse repurchase agreements
  • $40,157Net loans & leases
  • $1,348Loan loss allowance
  • $0Trading account assets
  • $818Bank premises and fixed assets
  • $17Other real estate owned
  • $302Goodwill and other intangibles
  • $95,111Life insurance assets
  • $1,662All other assets
  • $80,423Total liabilities and capital
  • $79,755Total liabilities
  • $64,948Total deposits
  • $79,755Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $408Trading liabilities
  • $0Other borrowed funds
  • $260Subordinated debt
  • $14,688All other liabilities
  • $14,688Total equity capital
  • $14,688Total bank equity capital
  • $0Perpetual preferred stock
  • $100Common stock
  • $5,350Surplus
  • $9,238Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,004Income earned, not collected on loans
  • $0Earning assets
  • $1,056Long-term assets (5+ years)
  • $90,368Average Assets, year-to-date
  • $27,648Average Assets, quarterly
  • $95,790Volatile liabilities
  • $99,879Insider loans
  • $49,598FHLB advances
  • $100,887Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $14,075Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,456Restructured Loans and leases
  • $377Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,954Total interest income
  • $560Total interest expense
  • $4,394Net interest income
  • $350Provision for loan and lease losses
  • $3,716Total noninterest income
  • $0Fiduciary activities
  • $302Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,414Additional noninterest income
  • $3,847Total noninterest expense
  • $1,746Salaries and employee benefits
  • $473Premises and equipment expense
  • $1,628Additional noninterest expense
  • $3,913Pre-tax net operating income
  • -$53Securities gains (losses)
  • $1,159Applicable income taxes
  • $2,701Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,701Net income attributable to bank
  • $0Net charge-offs
  • $2,701Cash dividends
  • $5Sale, conversion, retirement of capital stock, net
  • $1,110Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.85%Net interest margin
  • 4.10%Noninterest income to earning assets
  • 4.25%Noninterest expense to earning assets
  • 2.86%Net operating income to assets
  • 2.82%Return on assets (ROA)
  • 4.03%Pretax return on assets
  • 18.21%Return on equity (ROE)
  • 10.72%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 7000.00%Credit loss provision to net charge-offs
  • 852.60%Efficiency ratio
  • 47,435Assets per employee
  • 3.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.10%Loss allowance to loans
  • 3.25%Loss allowance to noncurrent loans
  • 134.26%Noncurrent assets plus other real estate owned to assets
  • 1.07%Noncurrent loans to loans
  • 2.42%Net loans and leases to deposits
  • 50.35%Net loans and leases to core deposits
  • 60.32%Equity capital to assets
  • 15.44%Core capital (leverage) ratio
  • 13.95%Tier 1 risk-based capital ratio
  • 28.38%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $95,790Average earning assets
  • $14,835Average equity
  • $90,613Average loans

List of branches

  • 4 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    07308The Jefferson Bank1445 Main Street, Fayette, MS 39069January 03, 1901Full Service Brick and Mortar
    1224644Greenville Branch1645 Martin Luther King Boulevard, Greenville, MS 38701July 01, 1998Full Service Brick and Mortar
    2363062Reed Road Branch3008 East Reed Road, Greenville, MS 38701January 14, 2002Full Service Brick and Mortar
    4510009Rosedale Branch600 Main Street, Rosedale, MS 38769June 05, 2010Full Service Brick and Mortar

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