Blue Ridge Bank

Blue Ridge Bank is headquartered in Walhalla and is the 59^th largest bank in the state of South Carolina. It is also the 4,889^th largest bank in the nation. It was established in 1957 and as of December of 2011, it had grown to 26 employees at 3 locations. Blue Ridge Bank has a 5-star health rating.

Blue Ridge Bank Routing Number: 053207669

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Data for Q4 2011

Institution Statistics Blue Ridge Bank FDIC Certificate # 17773 BankRate Report View Year Established 1957 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $102.02 million Loans $61.42 million Deposits $91.82 million Equity Capital $9.81 million Loan Loss Allowance $747,000 Unbacked Noncurrent Loans $57,000 Historic Data - December 2010 Assets $98.95 million Equity Capital $8.32 million Loan Loss Allowance $656,000 Unbacked Noncurrent Loans $713,000 Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 0.74% Return on Equity 7.97% Interest Income $4.61 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 December 31, 2011 Blue Ridge Bank had $57,000 in non-current loans and owned real-estate with $10.55 million in equity and loan loss allowances on hand to cover it. This gives Blue Ridge Bank a Texas Ratio of 0.54% 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 Blue Ridge Bank decreased significantly from 7.95% as of December 31, 2010 to 0.54% as of December 31, 2011, resulting in a positive change of 93.20%.This indicates that the balance sheet and financial strength for Blue Ridge Bank has improved significantly in recent periods. Deposit Growth In the past year, Blue Ridge Bank has increased its total deposits by $1.62 million, resulting in 1.79% 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 Blue Ridge Bank 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. Blue Ridge Bank has $102.02 million in assets with $10.55 million in equity, resulting in a capitalization level of 10.35%, which is above average.

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