Institution Statistics
| Jefferson Bank | | FDIC Certificate # | 16470 | | BankRate Report | View | | Year Established | 1946 | | Employees | 229 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $976.14 million | | Loans | $550.17 million | | Deposits | $874.12 million | | Equity Capital | $78.22 million | | Loan Loss Allowance | $7.00 million | | Unbacked Noncurrent Loans | $8.87 million | | Real Estate Owned | $150,000 |
Historic Data - March 2011 | | Assets | $860.86 million | | Equity Capital | $72.30 million | | Loan Loss Allowance | $6.59 million | | Unbacked Noncurrent Loans | $7.39 million | | Real Estate Owned | $108,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.74% | | Return on Assets | 1.34% | | Return on Equity | 16.43% | | Interest Income | $9.12 million |
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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 State Bank had $9.02 million in non-current loans and owned real-estate with $85.22 million in equity and loan loss allowances on hand to cover it. This gives Jefferson State Bank a Texas Ratio of 10.59% 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 State Bank held steady from 9.50% as of March 31, 2011 to 10.59% as of March 31, 2012, resulting in a negative change of 11.42%. This indicates that the balance sheet and financial strength for Jefferson State Bank has held steady in recent periods. | | Deposit Growth |  | | In the past year, Jefferson State Bank has increased its total deposits by $127.97 million, resulting in 17.15% 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 State Bank 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 State Bank has $976.14 million in assets with $85.22 million in equity, resulting in a capitalization level of 8.73%, which is average. |
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