Bank of Lancaster

Bank of Lancaster is headquartered in Kilmarnock and is the 59^th largest bank in the state of Virginia. It is also the 2,059^th largest bank in the nation. It was established in 1930 and as of December of 2011, it had grown to 116 employees at 9 locations. Bank of Lancaster has a 4-star health rating.

Bank of Lancaster Routing Number: 051403850

Data for Q4 2011

Institution Statistics Bank of Lancaster FDIC Certificate # 11200 BankRate Report View Year Established 1930 Employees 116 Primary Regulator FED Assets and Liabilities Assets $314.35 million Loans $233.50 million Deposits $265.62 million Equity Capital $26.98 million Loan Loss Allowance $3.19 million Unbacked Noncurrent Loans $5.51 million Real Estate Owned $2.28 million Historic Data - December 2010 Assets $325.99 million Equity Capital $26.37 million Loan Loss Allowance $3.23 million Unbacked Noncurrent Loans $5.74 million Real Estate Owned $4.09 million Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.1% Return on Equity 1.19% Interest Income $14.76 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 December 31, 2011 Bank of Lancaster had $7.79 million in non-current loans and owned real-estate with $30.17 million in equity and loan loss allowances on hand to cover it. This gives Bank of Lancaster a Texas Ratio of 25.83% 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 Bank of Lancaster decreased slightly from 33.20% as of December 31, 2010 to 25.83% as of December 31, 2011, resulting in a positive change of 22.21%.This indicates that the balance sheet and financial strength for Bank of Lancaster has improved slightly in recent periods. Deposit Growth In the past year, Bank of Lancaster has increased its total deposits by $4.69 million, resulting in 1.8% 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 Lancaster 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. Bank of Lancaster has $314.35 million in assets with $30.17 million in equity, resulting in a capitalization level of 9.60%, which is average.

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