Jefferson Security Bank

Jefferson Security Bank is headquartered in Shepherdstown and is the 19^st largest bank in the state of West Virginia. It is also the 2,319^st largest bank in the nation. It was established in 1869 and as of March of 2012, it had grown to 81 employees at 6 locations. Jefferson Security Bank has a 4-star health rating.

Jefferson Security Bank Routing Number: 057001971

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Data for Q1 2012

Institution Statistics Jefferson Security Bank FDIC Certificate # 9997 BankRate Report View Year Established 1869 Employees 81 Primary Regulator FDIC Assets and Liabilities Assets $278.88 million Loans $136.28 million Deposits $253.68 million Equity Capital $19.72 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $2.12 million Real Estate Owned $705,000 Historic Data - March 2011 Assets $273.04 million Equity Capital $19.54 million Loan Loss Allowance $3.23 million Unbacked Noncurrent Loans $5.60 million Real Estate Owned $938,000 Profit Margin - Quarterly Net Interest Margin 2.72% Return on Assets 0.28% Return on Equity 3.89% Interest Income $2.20 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 Security Bank had $2.83 million in non-current loans and owned real-estate with $21.72 million in equity and loan loss allowances on hand to cover it. This gives Jefferson Security Bank a Texas Ratio of 13.01% 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 Security Bank decreased significantly from 28.71% as of March 31, 2011 to 13.01% as of March 31, 2012, resulting in a positive change of 54.69%.This indicates that the balance sheet and financial strength for Jefferson Security Bank has improved significantly in recent periods. Deposit Growth In the past year, Jefferson Security Bank has increased its total deposits by $2.46 million, resulting in 0.98% 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 Security Bank 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. Jefferson Security Bank has $278.88 million in assets with $21.72 million in equity, resulting in a capitalization level of 7.79%, which is below average.

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