JustBankIt.com

JustBankIt.com is headquartered in Mulberry and is the 57^th largest bank in the state of Arkansas. It is also the 3,336^th largest bank in the nation. It was established in 1902 and as of September of 2011, it had grown to 60 employees at 10 locations. JustBankIt.com has a 2-star health rating.

JustBankIt.com CD Rates

Data for Q3 2011

Institution Statistics Allied Bank FDIC Certificate # 91 BankRate Report View Year Established 1902 Employees 60 Primary Regulator FED Assets and Liabilities Assets $182.16 million Loans $155.10 million Deposits $149.85 million Equity Capital $19.15 million Loan Loss Allowance $2.52 million Unbacked Noncurrent Loans $5.21 million Real Estate Owned $2.69 million Historic Data - September 2010 Assets $190.77 million Equity Capital $17.22 million Loan Loss Allowance $2.47 million Unbacked Noncurrent Loans $2.43 million Real Estate Owned $1.47 million Profit Margin - Quarterly Net Interest Margin 4.47% Return on Assets 0.79% Return on Equity 7.73% Interest Income $7.12 million

Institution Health Overall Score: 2 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 September 30, 2011 JustBankIt.com had $7.89 million in non-current loans and owned real-estate with $21.67 million in equity and loan loss allowances on hand to cover it. This gives JustBankIt.com a Texas Ratio of 36.42% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for JustBankIt.com increased slightly from 19.83% as of September 30, 2010 to 36.42% as of September 30, 2011, resulting in a negative change of 83.64%. This indicates that the balance sheet and financial strength for JustBankIt.com has declined slightly in recent periods. Deposit Growth In the past year, JustBankIt.com has decreased its total deposits by -$13.45 million, resulting in -8.23% 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 JustBankIt.com has shown is poor. 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. JustBankIt.com has $182.16 million in assets with $21.67 million in equity, resulting in a capitalization level of 11.90%, which is above average.