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These ratings are posted by site users; this content is not intended to be investment advice, nor does it represent the opinion of, counsel from, or recommendations by Bankinvestor.com

JFBI Strong Buy   100.00% 4 members Buy   0.00% 0 members Hold   0.00% 0 members Sell   0.00% 0 members Strong Sell   0.00% 0 members
Average rating: 1.00 (Strong Buy) 1.00 - 5.00 (Strong Sell) Total: 4 members

Annual growth of JFBI: NOTE: areas highlighted in blue indicate that this user is sharing the highlighted information with their private group ONLY
Jan. 8 2004, 5:16 PM ET Nearest price: 13.47 (01/08/04)	by sbguy (profile) (all of sbguy's ratings)	rating: Strong Buy	(Previous rating: Strong Buy, on Oct. 8 2003, 8:11 PM ET)
BV >$11/sh and sitting on mucho $ from step 2 offering which they are being very patient in deploying. will ask s'holders to ok share buybacks and options for MRP at 1/8/04 ann'l meeting. expect to ask rgulators for 10% buyback ok in 7/04. insiders held reltively little stock befoe step 2 (7/03) but LOADED up in offering with own $. i take this as overwhelming poz and would be surprisedif not sold by 3 yr point...........................................................reiterate strong buy. MRP buyback approved today (1/8/04) for up to 12 % of stock outstanding. expect mgt to ask ok for add'l 10 %, 1 year buyback in july, 04. Was this user's rating of 'JFBI' helpful to you? Currently:   1 said yes (of 1 -- 100.00%)
Oct. 9 2003, 6:07 PM ET Nearest price: 14.40 (10/09/03)	by Passbook (profile) (all of Passbook's ratings)	rating: Strong Buy
Relatively low price to book; tremendous excess equity which will be deployed into stock buy-backs and increased dividends creating a floor on the stock. Was this user's rating of 'JFBI' helpful to you? Currently:   0 said yes (of 1 -- 0.00%)
Jul. 25 2003, 09:21 AM ET Nearest price: 12.80 (07/25/03)	by belowbookvalue (profile) (all of belowbookvalue's ratings)	rating: Strong Buy
Strong earnings report this morning merits JFBI to be trading over $14 in very near future. http://biz.yahoo.com/bw/030725/255161_1.html Was this user's rating of 'JFBI' helpful to you?
Jul. 21 2003, 7:46 PM ET Nearest price: 12.70 (07/21/03)	by buildingnloan (profile) (all of buildingnloan's ratings)	rating: Strong Buy
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