Bank of Jones County

Bank of Jones County is headquartered in Laurel and is the 43^rd largest bank in the state of Mississippi. It is also the 2,827^th largest bank in the nation. It was established in 1998 and as of December of 2011, it had grown to 26 employees at 2 locations. Bank of Jones County has a 5-star health rating.

Bank of Jones County Routing Number: 065306079

Data for Q4 2011

Institution Statistics Bank of Jones County FDIC Certificate # 34897 BankRate Report View Year Established 1998 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $223.96 million Loans $68.71 million Deposits $195.55 million Equity Capital $25.61 million Loan Loss Allowance $1.10 million Real Estate Owned $91,000 Historic Data - December 2010 Assets $208.15 million Equity Capital $22.52 million Loan Loss Allowance $984,000 Unbacked Noncurrent Loans $7,000 Real Estate Owned $88,000 Profit Margin - Quarterly Net Interest Margin 2.99% Return on Assets 1.34% Return on Equity 12.24% Interest Income $8.18 million

Institution Health Overall Score: 5 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 Jones County had $91,000 in non-current loans and owned real-estate with $26.71 million in equity and loan loss allowances on hand to cover it. This gives Bank of Jones County a Texas Ratio of 0.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Jones County decreased slightly from 0.40% as of December 31, 2010 to 0.34% as of December 31, 2011, resulting in a positive change of 15.71%.This indicates that the balance sheet and financial strength for Bank of Jones County has improved slightly in recent periods. Deposit Growth In the past year, Bank of Jones County has increased its total deposits by $12.09 million, resulting in 6.59% 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 Jones County has shown is excellent. 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 Jones County has $223.96 million in assets with $26.71 million in equity, resulting in a capitalization level of 11.93%, which is above average.

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