Jackson Parish Bank

Jackson Parish Bank is headquartered in Jonesboro and is the 130^th largest bank in the state of Louisiana. It is also the 6,058^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 17 employees at 1 location. Jackson Parish Bank has a 4-star health rating.

Jackson Parish Bank Routing Number: 111101908

Data for Q1 2012

Institution Statistics Jackson Parish Bank FDIC Certificate # 8799 BankRate Report View Year Established 1904 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $60.65 million Loans $16.51 million Deposits $53.05 million Equity Capital $7.23 million Loan Loss Allowance $313,000 Unbacked Noncurrent Loans $1.28 million Real Estate Owned $50,000 Historic Data - March 2011 Assets $55.91 million Equity Capital $6.54 million Loan Loss Allowance $369,000 Unbacked Noncurrent Loans $1.52 million Real Estate Owned $51,000 Profit Margin - Quarterly Net Interest Margin 2.68% Return on Assets 0.41% Return on Equity 3.84% Interest Income $462,000

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 March 31, 2012 Jackson Parish Bank had $1.32 million in non-current loans and owned real-estate with $7.54 million in equity and loan loss allowances on hand to cover it. This gives Jackson Parish Bank a Texas Ratio of 17.56% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Jackson Parish Bank decreased slightly from 22.76% as of March 31, 2011 to 17.56% as of March 31, 2012, resulting in a positive change of 22.84%.This indicates that the balance sheet and financial strength for Jackson Parish Bank has improved slightly in recent periods. Deposit Growth In the past year, Jackson Parish Bank has increased its total deposits by $3.83 million, resulting in 7.78% 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 Jackson Parish Bank 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. Jackson Parish Bank has $60.65 million in assets with $7.54 million in equity, resulting in a capitalization level of 12.44%, which is excellent.

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