Jersey State Bank

Jersey State Bank is headquartered in Jerseyville and is the 277^th largest bank in the state of Illinois. It is also the 4,037^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 33 employees at 2 locations. Jersey State Bank has a 4-star health rating.

Jersey State Bank Routing Number: 081904468

Data for Q1 2012

Institution Statistics Jersey State Bank FDIC Certificate # 12384 BankRate Report View Year Established 1903 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $140.66 million Loans $55.82 million Deposits $122.58 million Equity Capital $13.40 million Loan Loss Allowance $955,000 Unbacked Noncurrent Loans $923,000 Real Estate Owned $218,000 Historic Data - March 2011 Assets $138.63 million Equity Capital $11.03 million Loan Loss Allowance $723,000 Unbacked Noncurrent Loans $448,000 Real Estate Owned $283,000 Profit Margin - Quarterly Net Interest Margin 3.12% Return on Assets 1.1% Return on Equity 11.75% Interest Income $1.34 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 Jersey State Bank had $1.14 million in non-current loans and owned real-estate with $14.35 million in equity and loan loss allowances on hand to cover it. This gives Jersey State Bank a Texas Ratio of 7.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Jersey State Bank held steady from 6.22% as of March 31, 2011 to 7.95% as of March 31, 2012, resulting in a negative change of 27.86%. This indicates that the balance sheet and financial strength for Jersey State Bank has held steady in recent periods. Deposit Growth In the past year, Jersey State Bank has decreased its total deposits by -$1.38 million, resulting in -1.11% 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 Jersey State Bank has shown is below 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. Jersey State Bank has $140.66 million in assets with $14.35 million in equity, resulting in a capitalization level of 10.20%, which is above average.

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