Jonestown Bank and Trust Company, of Jonestown, Pennsylvania

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania is headquartered in Jonestown and is the 89^th largest bank in the state of Pennsylvania. It is also the 1,687^th largest bank in the nation. It was established in 1873 and as of March of 2012, it had grown to 112 employees at 11 locations. Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has a 4-star health rating.

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania Checking Account Rates

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania Savings Account Rates

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania Money Market Rates

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania CD Rates

Jonestown Bank and Trust Company, of Jonestown, Pennsylvania IRA Rates

Data for Q1 2012

Institution Statistics Jonestown Bank and Trust Company, of Jonestown, Pennsylvania FDIC Certificate # 10677 BankRate Report View Year Established 1873 Employees 112 Primary Regulator FDIC Assets and Liabilities Assets $395.56 million Loans $310.30 million Deposits $349.84 million Equity Capital $36.78 million Loan Loss Allowance $4.51 million Unbacked Noncurrent Loans $8.11 million Real Estate Owned $1.06 million Historic Data - March 2011 Assets $356.09 million Equity Capital $30.54 million Loan Loss Allowance $4.26 million Unbacked Noncurrent Loans $6.81 million Real Estate Owned $1.25 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 1.03% Return on Equity 10.92% Interest Income $4.07 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 Jonestown Bank and Trust Company, of Jonestown, Pennsylvania had $9.17 million in non-current loans and owned real-estate with $41.28 million in equity and loan loss allowances on hand to cover it. This gives Jonestown Bank and Trust Company, of Jonestown, Pennsylvania a Texas Ratio of 22.21% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Jonestown Bank and Trust Company, of Jonestown, Pennsylvania held steady from 23.16% as of March 31, 2011 to 22.21% as of March 31, 2012, resulting in a positive change of 4.10%.This indicates that the balance sheet and financial strength for Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has held steady in recent periods. Deposit Growth In the past year, Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has increased its total deposits by $33.23 million, resulting in 10.5% 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 Jonestown Bank and Trust Company, of Jonestown, Pennsylvania 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. Jonestown Bank and Trust Company, of Jonestown, Pennsylvania has $395.56 million in assets with $41.28 million in equity, resulting in a capitalization level of 10.44%, which is above average.

No reviews have been left for this bank yet. Be the first to review.