Jefferson Bank of Missouri

Jefferson Bank of Missouri is headquartered in Jefferson City and is the 48^th largest bank in the state of Missouri. It is also the 1,350^th largest bank in the nation. It was established in 1967 and as of March of 2012, it had grown to 95 employees at 5 locations. Jefferson Bank of Missouri has a 4-star health rating.

Jefferson Bank of Missouri Routing Number: 086501578

Data for Q1 2012

Institution Statistics Jefferson Bank of Missouri FDIC Certificate # 19762 BankRate Report View Year Established 1967 Employees 95 Primary Regulator FDIC Assets and Liabilities Assets $502.55 million Loans $336.22 million Deposits $436.42 million Equity Capital $41.79 million Loan Loss Allowance $7.26 million Unbacked Noncurrent Loans $1.90 million Real Estate Owned $2.18 million Historic Data - March 2011 Assets $489.25 million Equity Capital $45.44 million Loan Loss Allowance $7.02 million Unbacked Noncurrent Loans $2.51 million Real Estate Owned $1.70 million Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets 1.79% Return on Equity 21.3% Interest Income $5.61 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 Jefferson Bank of Missouri had $4.08 million in non-current loans and owned real-estate with $49.05 million in equity and loan loss allowances on hand to cover it. This gives Jefferson Bank of Missouri a Texas Ratio of 8.32% which is above 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 of Missouri held steady from 7.85% as of March 31, 2011 to 8.32% as of March 31, 2012, resulting in a negative change of 6.01%. This indicates that the balance sheet and financial strength for Jefferson Bank of Missouri has held steady in recent periods. Deposit Growth In the past year, Jefferson Bank of Missouri has increased its total deposits by $19.58 million, resulting in 4.7% 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 Missouri 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. Jefferson Bank of Missouri has $502.55 million in assets with $49.05 million in equity, resulting in a capitalization level of 9.76%, which is average.

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