Jefferson Bank and Trust Company

Jefferson Bank and Trust Company is headquartered in Eureka and is the 40^th largest bank in the state of Missouri. It is also the 1,252^nd largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 92 employees at 5 locations. Jefferson Bank and Trust Company's money market rates are 14% higher than the national average, and it has a 3-star health rating.

Jefferson Bank and Trust Company Money Market Rates

Jefferson Bank and Trust Company CD Rates

Data for Q1 2012

Institution Statistics Jefferson Bank and Trust Company FDIC Certificate # 1071 BankRate Report View Year Established 1892 Employees 92 Primary Regulator FDIC Assets and Liabilities Assets $538.79 million Loans $381.99 million Deposits $393.97 million Equity Capital $63.38 million Loan Loss Allowance $11.42 million Unbacked Noncurrent Loans $26.11 million Real Estate Owned $27.46 million Historic Data - March 2011 Assets $645.70 million Equity Capital $61.68 million Loan Loss Allowance $14.06 million Unbacked Noncurrent Loans $23.32 million Real Estate Owned $24.60 million Profit Margin - Quarterly Net Interest Margin 3.1% Return on Assets 0.21% Return on Equity 1.84% Interest Income $5.33 million

Institution Health Overall Score: 3 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 Jefferson Bank and Trust Company had $53.57 million in non-current loans and owned real-estate with $74.8 million in equity and loan loss allowances on hand to cover it. This gives Jefferson Bank and Trust Company a Texas Ratio of 71.61% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Jefferson Bank and Trust Company held steady from 63.27% as of March 31, 2011 to 71.61% as of March 31, 2012, resulting in a negative change of 13.18%. This indicates that the balance sheet and financial strength for Jefferson Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, Jefferson Bank and Trust Company has decreased its total deposits by -$51.58 million, resulting in -11.58% 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 Jefferson Bank and Trust Company has shown is poor. 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. Jefferson Bank and Trust Company has $538.79 million in assets with $74.8 million in equity, resulting in a capitalization level of 13.88%, which is excellent.

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