Institution Statistics
| Jefferson Bank of Florida | | FDIC Certificate # | 58672 | | BankRate Report | View | | Year Established | 2007 | | Employees | 29 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $156.33 million | | Loans | $75.55 million | | Deposits | $113.80 million | | Equity Capital | $21.39 million | | Loan Loss Allowance | $2.03 million | | Unbacked Noncurrent Loans | $499,000 |
Historic Data - March 2011 | | Assets | $112.53 million | | Equity Capital | $15.88 million | | Loan Loss Allowance | $2.22 million |
Profit Margin - Quarterly | | Net Interest Margin | 3.51% | | Return on Assets | 0.68% | | Return on Equity | 4.78% | | Interest Income | $1.44 million |
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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 Jefferson Bank of Florida had $499,000 in non-current loans and owned real-estate with $23.42 million in equity and loan loss allowances on hand to cover it. This gives Jefferson Bank of Florida a Texas Ratio of 2.13% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, Jefferson Bank of Florida has increased its total deposits by $33.8 million, resulting in 42.25% 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 Jefferson Bank of Florida 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. Jefferson Bank of Florida has $156.33 million in assets with $23.42 million in equity, resulting in a capitalization level of 14.98%, which is excellent. |
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