Bank of Jackson County

Bank of Jackson County is headquartered in Graceville and is the 225^th largest bank in the state of Florida. It is also the 7,034^th largest bank in the nation. It was established in 1934 and as of December of 2011, it had grown to 20 employees at 2 locations. Bank of Jackson County has a 1-star health rating.

Bank of Jackson County Routing Number: 063205211

Data for Q4 2011

Institution Statistics Bank of Jackson County FDIC Certificate # 14794 BankRate Report View Year Established 1934 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $27.42 million Loans $19.22 million Deposits $26.28 million Equity Capital $658,000 Loan Loss Allowance $995,000 Unbacked Noncurrent Loans $1.55 million Real Estate Owned $1.75 million Historic Data - December 2010 Assets $31.25 million Equity Capital $710,000 Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $2.88 million Real Estate Owned $1.70 million Profit Margin - Quarterly Net Interest Margin 5.12% Return on Assets -0.17% Return on Equity -8.08% Interest Income $1.44 million

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of Jackson County had $3.3 million in non-current loans and owned real-estate with $1.65 million in equity and loan loss allowances on hand to cover it. This gives Bank of Jackson County a Texas Ratio of 199.40% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Jackson County decreased slightly from 259.63% as of December 31, 2010 to 199.40% as of December 31, 2011, resulting in a positive change of 23.20%.This indicates that the balance sheet and financial strength for Bank of Jackson County has improved slightly in recent periods. Deposit Growth In the past year, Bank of Jackson County has decreased its total deposits by -$4.09 million, resulting in -13.47% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of Jackson County has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of Jackson County has $27.42 million in assets with $1.65 million in equity, resulting in a capitalization level of 6.03%, which is below average.

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