Jasper Banking Company

Jasper Banking Company is headquartered in Jasper and is the 83^rd largest bank in the state of Georgia. It is also the 2,938^th largest bank in the nation. It was established in 1945 and as of March of 2012, it had grown to 44 employees at 3 locations. Jasper Banking Company has a 1-star health rating.

Jasper Banking Company Routing Number: 061112186

Data for Q1 2012

Institution Statistics Jasper Banking Company FDIC Certificate # 16240 BankRate Report View Year Established 1945 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $216.68 million Loans $101.24 million Deposits $213.13 million Equity Capital $3.41 million Loan Loss Allowance $4.58 million Unbacked Noncurrent Loans $24.98 million Real Estate Owned $27.71 million Historic Data - March 2011 Assets $226.31 million Equity Capital $12.28 million Loan Loss Allowance $3.72 million Unbacked Noncurrent Loans $16.61 million Real Estate Owned $30.32 million Profit Margin - Quarterly Net Interest Margin 2.13% Return on Assets -4.85% Return on Equity -166.8% Interest Income $1.63 million

Institution Health Overall Score: 1 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 Jasper Banking Company had $52.69 million in non-current loans and owned real-estate with $7.98 million in equity and loan loss allowances on hand to cover it. This gives Jasper Banking Company a Texas Ratio of 659.96% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Jasper Banking Company increased slightly from 293.31% as of March 31, 2011 to 659.96% as of March 31, 2012, resulting in a negative change of 125.01%. This indicates that the balance sheet and financial strength for Jasper Banking Company has declined slightly in recent periods. Deposit Growth In the past year, Jasper Banking Company has decreased its total deposits by $-524,000, resulting in -0.25% 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 Jasper Banking Company has shown is 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. Jasper Banking Company has $216.68 million in assets with $7.98 million in equity, resulting in a capitalization level of 3.68%, which is poor.

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