Jacksonville Savings Bank

1211 West Morton Avenue
Jacksonville, IL 62650
217-245-4111
www.jacksonvillesavings.com

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Jacksonville Savings Bank is headquartered in Jacksonville and is the 136^th largest bank in the state of Illinois. It is also the 2,056^th largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 104 employees at 7 locations. Jacksonville Savings Bank has a 5-star health rating.

Jacksonville Savings Bank Routing Number: 281271137

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See Rates for: Checking | Savings | Money Market | CD | IRA

Jacksonville Savings Bank Checking Account Rates

Apy	Min	Max	Product
0.15%	-	-	Winner ll Checking Account
0.15%	-	-	eChecking Account
0.15%	-	-	Business NOW Account

Jacksonville Savings Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	-	-	Preferred Christmas Club
0.40%	$10k	-	Health Savings Account
0.25%	-	-	Regular Christmas Club
0.20%	$50	-	Statement Savings Account

Jacksonville Savings Bank Money Market Rates

Apy	Min	Max	Product
0.50%	$50k	-	Money Market Savings Account
0.30%	$25k	-	Money Market Checking Account

Jacksonville Savings Bank CD Rates

Apy	Min	Max	Product
1.85%	$100k	-	5 Year Jumbo CD
1.75%	$500	-	5 Year CD
1.60%	$100k	-	4 Year Jumbo CD
1.50%	$500	-	4 Year CD
1.30%	$100k	-	3 Year Jumbo CD
1.20%	$500	-	3 Year CD
1.20%	$100k	-	30 Month Jumbo CD
1.10%	$500	-	30 Month CD
1.00%	$100k	-	2 Year Jumbo CD
0.90%	$500	-	2 Year CD
0.80%	$100k	-	18 Month Jumbo CD
0.70%	$500	-	18 Month CD
0.65%	$100k	-	1 Year Jumbo CD
0.55%	$500	-	1 Year CD
0.50%	$100k	-	6 Month Jumbo CD
0.40%	$500	-	6 Month CD
0.35%	$100k	-	3 Month Jumbo CD
0.25%	$500	-	3 Month CD

Jacksonville Savings Bank IRA Rates

Apy	Min	Max	Product
1.80%	$100	-	5 Year IRA
1.80%	$100	-	5 Year Roth IRA
1.55%	$100	-	4 Year IRA
1.55%	$100	-	4 Year Roth IRA
1.25%	$100	-	3 Year IRA
1.25%	$100	-	3 Year Roth IRA
1.15%	$100	-	30 Month IRA
1.15%	$100	-	30 Month Roth IRA
0.95%	$100	-	2 Year IRA
0.95%	$100	-	2 Year Roth IRA
0.75%	$100	-	18 Month IRA
0.75%	$100	-	18 Month Roth IRA
0.60%	$100	-	1 Year IRA
0.60%	$100	-	1 Year Roth IRA
0.45%	$100	-	6 Month IRA
0.45%	$100	-	6 Month Roth IRA
0.30%	$100	-	3 Month IRA
0.30%	$100	-	3 Month Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Jacksonville Savings Bank
FDIC Certificate #	28211
BankRate Report	View
Year Established	1917
Employees	104
Primary Regulator	FDIC
Assets and Liabilities
Assets	$317.22 million
Loans	$167.09 million
Deposits	$271.20 million
Equity Capital	$36.47 million
Loan Loss Allowance	$3.33 million
Unbacked Noncurrent Loans	$2.35 million
Real Estate Owned	$515,000
Historic Data - March 2011
Assets	$307.74 million
Equity Capital	$31.61 million
Loan Loss Allowance	$2.88 million
Unbacked Noncurrent Loans	$3.50 million
Real Estate Owned	$625,000
Profit Margin - Quarterly
Net Interest Margin	3.69%
Return on Assets	1.22%
Return on Equity	10.45%
Interest Income	$3.28 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 March 31, 2012 Jacksonville Savings Bank had $2.87 million in non-current loans and owned real-estate with $39.8 million in equity and loan loss allowances on hand to cover it. This gives Jacksonville Savings Bank a Texas Ratio of 7.21% 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 Jacksonville Savings Bank decreased slightly from 11.95% as of March 31, 2011 to 7.21% as of March 31, 2012, resulting in a positive change of 39.68%.This indicates that the balance sheet and financial strength for Jacksonville Savings Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Jacksonville Savings Bank has increased its total deposits by $4.55 million, resulting in 1.71% 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 Jacksonville Savings Bank 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. Jacksonville Savings Bank has $317.22 million in assets with $39.8 million in equity, resulting in a capitalization level of 12.55%, which is excellent.

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