The First National Bank of Jeffersonville

The First National Bank of Jeffersonville is headquartered in Jeffersonville and is the 88^th largest bank in the state of New York. It is also the 1,472^nd largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 121 employees at 12 locations. The First National Bank of Jeffersonville has a 4-star health rating.

The First National Bank of Jeffersonville Checking Account Rates

The First National Bank of Jeffersonville Savings Account Rates

The First National Bank of Jeffersonville Money Market Rates

The First National Bank of Jeffersonville CD Rates

Data for Q1 2012

Institution Statistics The First National Bank of Jeffersonville FDIC Certificate # 7123 BankRate Report View Year Established 1913 Employees 121 Primary Regulator OCC Assets and Liabilities Assets $453.26 million Loans $266.00 million Deposits $380.30 million Equity Capital $47.77 million Loan Loss Allowance $5.06 million Unbacked Noncurrent Loans $10.64 million Real Estate Owned $1.95 million Historic Data - March 2011 Assets $442.70 million Equity Capital $45.51 million Loan Loss Allowance $4.15 million Unbacked Noncurrent Loans $11.49 million Real Estate Owned $2.61 million Profit Margin - Quarterly Net Interest Margin 4.62% Return on Assets 1.03% Return on Equity 9.59% Interest Income $5.26 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 The First National Bank of Jeffersonville had $12.59 million in non-current loans and owned real-estate with $52.83 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Jeffersonville a Texas Ratio of 23.82% 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 The First National Bank of Jeffersonville decreased slightly from 28.41% as of March 31, 2011 to 23.82% as of March 31, 2012, resulting in a positive change of 16.14%.This indicates that the balance sheet and financial strength for The First National Bank of Jeffersonville has improved slightly in recent periods. Deposit Growth In the past year, The First National Bank of Jeffersonville has increased its total deposits by $7.53 million, resulting in 2.02% 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 The First National Bank of Jeffersonville has shown is above 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. The First National Bank of Jeffersonville has $453.26 million in assets with $52.83 million in equity, resulting in a capitalization level of 11.65%, which is above average.