The Jones National Bank and Trust Company of Seward

The Jones National Bank and Trust Company of Seward is headquartered in Seward and is the 47^th largest bank in the state of Nebraska. It is also the 2,899^th largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 53 employees at 3 locations. The Jones National Bank and Trust Company of Seward's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

The Jones National Bank and Trust Company of Seward Checking Account Rates

The Jones National Bank and Trust Company of Seward Savings Account Rates

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The Jones National Bank and Trust Company of Seward IRA Rates

Data for Q1 2012

Institution Statistics The Jones National Bank and Trust Company of Seward FDIC Certificate # 5473 BankRate Report View Year Established 1883 Employees 53 Primary Regulator OCC Assets and Liabilities Assets $219.73 million Loans $128.02 million Deposits $183.22 million Equity Capital $21.03 million Loan Loss Allowance $1.93 million Unbacked Noncurrent Loans $437,000 Historic Data - March 2011 Assets $217.40 million Equity Capital $19.99 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $1.42 million Real Estate Owned $87,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 1.45% Return on Equity 15.13% Interest Income $2.40 million

Institution Health Overall Score: 5 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 Jones National Bank and Trust Company of Seward had $437,000 in non-current loans and owned real-estate with $22.96 million in equity and loan loss allowances on hand to cover it. This gives The Jones National Bank and Trust Company of Seward a Texas Ratio of 1.90% 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 The Jones National Bank and Trust Company of Seward decreased significantly from 6.97% as of March 31, 2011 to 1.90% as of March 31, 2012, resulting in a positive change of 72.67%.This indicates that the balance sheet and financial strength for The Jones National Bank and Trust Company of Seward has improved significantly in recent periods. Deposit Growth In the past year, The Jones National Bank and Trust Company of Seward has increased its total deposits by $2.68 million, resulting in 1.49% 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 Jones National Bank and Trust Company of Seward 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 Jones National Bank and Trust Company of Seward has $219.73 million in assets with $22.96 million in equity, resulting in a capitalization level of 10.45%, which is above average.

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