Bank of Jamestown

Bank of Jamestown is headquartered in Jamestown and is the 83^rd largest bank in the state of Kentucky. It is also the 3,582^nd largest bank in the nation. It was established in 1899 and as of December of 2011, it had grown to 35 employees at 3 locations. Bank of Jamestown has a 4-star health rating.

Bank of Jamestown Routing Number: 083905216

Data for Q4 2011

Institution Statistics Bank of Jamestown FDIC Certificate # 8118 BankRate Report View Year Established 1899 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $165.49 million Loans $69.22 million Deposits $126.52 million Equity Capital $16.15 million Loan Loss Allowance $610,000 Unbacked Noncurrent Loans $908,000 Real Estate Owned $1.24 million Historic Data - December 2010 Assets $165.63 million Equity Capital $15.48 million Loan Loss Allowance $676,000 Unbacked Noncurrent Loans $935,000 Real Estate Owned $1.35 million Profit Margin - Quarterly Net Interest Margin 3.12% Return on Assets 0.68% Return on Equity 7.22% Interest Income $7.56 million

Institution Health Overall Score: 4 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 Jamestown had $2.15 million in non-current loans and owned real-estate with $16.76 million in equity and loan loss allowances on hand to cover it. This gives Bank of Jamestown a Texas Ratio of 12.82% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Jamestown held steady from 14.12% as of December 31, 2010 to 12.82% as of December 31, 2011, resulting in a positive change of 9.23%.This indicates that the balance sheet and financial strength for Bank of Jamestown has held steady in recent periods. Deposit Growth In the past year, Bank of Jamestown has increased its total deposits by $2.56 million, resulting in 2.06% 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 Jamestown has shown is above average. 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 Jamestown has $165.49 million in assets with $16.76 million in equity, resulting in a capitalization level of 10.12%, which is above average.

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