Bank of the James

Bank of the James is headquartered in Lynchburg and is the 47^th largest bank in the state of Virginia. It is also the 1,519^st largest bank in the nation. It was established in 1999 and as of December of 2012, it had grown to 117 employees at 10 locations. Bank of the James' savings rates are 4X the national average, and it has a 4-star health rating.

Bank of the James Routing Number: 051409016

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Bank of the James CD Rates

Data for Q4 2012

Institution Statistics Bank of the James FDIC Certificate # 35207 BankRate Report View Year Established 1999 Employees 117 Primary Regulator FED Assets and Liabilities Assets $441.44 million Loans $320.83 million Deposits $402.08 million Equity Capital $36.64 million Loan Loss Allowance $5.54 million Unbacked Noncurrent Loans $6.35 million Real Estate Owned $2.11 million Historic Data - December 2011 Assets $427.04 million Equity Capital $33.41 million Loan Loss Allowance $5.61 million Unbacked Noncurrent Loans $10.38 million Real Estate Owned $3.25 million Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 0.6% Return on Equity 7.47% Interest Income $18.75 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, 2012 Bank of the James had $8.46 million in non-current loans and owned real-estate with $42.18 million in equity and loan loss allowances on hand to cover it. This gives Bank of the James a Texas Ratio of 20.05% 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 the James decreased significantly from 34.93% as of December 31, 2011 to 20.05% as of December 31, 2012, resulting in a positive change of 42.58%.This indicates that the balance sheet and financial strength for Bank of the James has improved significantly in recent periods. Deposit Growth In the past year, Bank of the James has increased its total deposits by $27.12 million, resulting in 7.23% 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 the James has shown is excellent. 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 the James has $441.44 million in assets with $42.18 million in equity, resulting in a capitalization level of 9.55%, which is average.

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