Jarrettsville Federal Savings and Loan Association

Jarrettsville Federal Savings and Loan Association is headquartered in Jarrettsville and is the 67^th largest bank in the state of Maryland. It is also the 4,831^st largest bank in the nation. It was established in 1876 and as of March of 2012, it had grown to 7 employees at 1 location. Jarrettsville Federal Savings and Loan Association's savings rates are 44% higher than the national average, and it has a 4-star health rating.

Jarrettsville Federal Savings and Loan Association Checking Account Rates

Jarrettsville Federal Savings and Loan Association Savings Account Rates

Jarrettsville Federal Savings and Loan Association Money Market Rates

Jarrettsville Federal Savings and Loan Association CD Rates

Jarrettsville Federal Savings and Loan Association IRA Rates

Data for Q1 2012

Institution Statistics Jarrettsville Federal Savings and Loan Association OTS # 06351 FDIC Certificate # 31083 BankRate Report View Year Established 1876 Employees 7 Primary Regulator OCC Assets and Liabilities Assets $104.78 million Loans $84.38 million Deposits $89.97 million Equity Capital $14.53 million Loan Loss Allowance $500,000 Unbacked Noncurrent Loans $2.25 million Real Estate Owned $347,000 Historic Data - March 2011 Assets $96.63 million Equity Capital $13.63 million Loan Loss Allowance $250,000 Unbacked Noncurrent Loans $568,000 Real Estate Owned $356,000 Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 0.39% Return on Equity 2.76% Interest Income $1.25 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 March 31, 2012 Jarrettsville Federal Savings and Loan Association had $2.6 million in non-current loans and owned real-estate with $15.02 million in equity and loan loss allowances on hand to cover it. This gives Jarrettsville Federal Savings and Loan Association a Texas Ratio of 17.27% 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 Jarrettsville Federal Savings and Loan Association increased slightly from 6.66% as of March 31, 2011 to 17.27% as of March 31, 2012, resulting in a negative change of 159.39%. This indicates that the balance sheet and financial strength for Jarrettsville Federal Savings and Loan Association has declined slightly in recent periods. Deposit Growth In the past year, Jarrettsville Federal Savings and Loan Association has increased its total deposits by $7.25 million, resulting in 8.76% 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 Jarrettsville Federal Savings and Loan Association 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. Jarrettsville Federal Savings and Loan Association has $104.78 million in assets with $15.02 million in equity, resulting in a capitalization level of 14.34%, which is excellent.

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