Vitals
  • Total Assets
    986.5M 2.1 %
  • Total Deposits
    770.9M 6.7 %
  • Total Net Loans
    806.4M 6.1 %
  • Net Income
    10.0M -14.9 %
  • Book Value
    84.0M 2.0 %
  • Book Value x2
    168.0M 2.0 %
  • Book Value x3
    252.1M 2.0 %
ROAA

1.034

ROAE

11.893

Efficiency Ratio

62.947

Net Interest Margin

3.393

Balance Sheet Highlights
Financial Highlights Jersey Shore State Bank All Insured Commercial Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 986,486 784,148
Total Net Loans 806,365 559,183
Total Deposits 770,937 637,080
Total Equity 84,020 81,247
Profitability
Net Income 10,019 6,303
Return on Average Assets 1.034 .785
Return on Average Equity 11.893 7.431
Net Interest Margin 3.393 3.473
Efficiency Ratio 62.947 69.514
Noninterest Income/Revenue 19.315 18.146
Balance Sheet Ratios
Loan-to-Deposit 104.595 86.432
Securities/Assets .1 .178
Total Equity/Total Assets .085 .104
Tangible Equity/Tangible Assets .081 .094
Capital Adequacy
Tier 1 Common Capital 86,397 72,881
Tier 1 Capital 86,397 73,172
Tier 2 Capital 4,595 6,143
Total Capital 90,992 79,518
Total Risk Weighted Assets 775,865 578,873
Leverage Ratio 8.89 9.899
Common Equity Tier 1 Capital Ratio 11.14 13.811
Tier 1 Capital Ratio 11.14 13.878
Total Capital Ratio 11.73 15.103

Timeline for Jersey Shore State Bank

M Group, Inc The

M Group, Inc The became a new subsidiary organization for Jersey Shore State Bank.

View Profile Oct 02 2000

The First National Bank Of Spring Mills

Acquisition: Jersey Shore State Bank acquired a new subsidiary, The First National Bank Of Spring Mills, 25 years

View Profile Jan 09 1999

Lock Haven Savings Bank

Acquisition: Jersey Shore State Bank acquired a new subsidiary, Lock Haven Savings Bank, 29 years

View Profile Apr 08 1995

Penns Woods Bancorp, Inc.

Penns Woods Bancorp, Inc. became a new parent organization for Jersey Shore State Bank.

View Profile Jul 12 1983

Jersey Shore State Bank

Jersey Shore State Bank was established 90 years ago and is currently headquartered in Williamsport, PA.

May 12 1934
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
The First National Bank Of Spring Mills Seller 31,856 Pooling of Interests Discontinued 1/9/1999
Lock Haven Savings Bank Seller 37,536 Pooling of Interests Discontinued 4/8/1995
Relationships Role Relationship Start Relationship End
Penns Woods Bancorp, Inc. Parent 7/12/1983
M Group, Inc The Subsidary 10/2/2000
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