Bank of Botetourt

Bank of Botetourt is headquartered in Buchanan and is the 61^st largest bank in the state of Virginia. It is also the 2,113^st largest bank in the nation. It was established in 1899 and as of December of 2011, it had grown to 91 employees at 10 locations. Bank of Botetourt has a 2-star health rating.

Bank of Botetourt Routing Number: 051402550

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Data for Q4 2011

Institution Statistics Bank of Botetourt FDIC Certificate # 6137 BankRate Report View Year Established 1899 Employees 91 Primary Regulator FDIC Assets and Liabilities Assets $307.28 million Loans $243.85 million Deposits $281.53 million Equity Capital $23.58 million Loan Loss Allowance $6.00 million Unbacked Noncurrent Loans $13.80 million Real Estate Owned $5.25 million Historic Data - December 2010 Assets $310.11 million Equity Capital $25.78 million Loan Loss Allowance $5.15 million Unbacked Noncurrent Loans $14.24 million Real Estate Owned $1.85 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets -0.92% Return on Equity -11.62% Interest Income $15.20 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 December 31, 2011 Bank of Botetourt had $19.05 million in non-current loans and owned real-estate with $29.57 million in equity and loan loss allowances on hand to cover it. This gives Bank of Botetourt a Texas Ratio of 64.43% 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 Bank of Botetourt increased slightly from 52.02% as of December 31, 2010 to 64.43% as of December 31, 2011, resulting in a negative change of 23.87%. This indicates that the balance sheet and financial strength for Bank of Botetourt has declined slightly in recent periods. Deposit Growth In the past year, Bank of Botetourt has decreased its total deposits by $-220,000, resulting in -0.08% 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 Bank of Botetourt has shown is 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. Bank of Botetourt has $307.28 million in assets with $29.57 million in equity, resulting in a capitalization level of 9.62%, which is average.

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