Burke & Herbert Bank & Trust Company

Burke & Herbert Bank & Trust Company Locations

100 South Fairfax Street
Alexandria, VA 22314
www.burkeandherbertbank.com

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Burke & Herbert Bank & Trust Company is headquartered in Alexandria and is the 12^st largest bank in the state of Virginia. It is also the 284^th largest bank in the nation. It was established in 1852 and as of December of 2011, it had grown to 388 employees at 25 locations. Burke & Herbert Bank & Trust Company has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Burke & Herbert Bank & Trust Company Checking Account Rates

Apy	Min	Max	Product
0.05%	$100	-	Interest Checking Account
0.05%	$100	-	Business Interest Checking Account

Burke & Herbert Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.05%	$50	-	Statement Savings Account
0.05%	-	-	Kid's Savings Account
0.05%	$50	-	Business Savings Account

Burke & Herbert Bank & Trust Company Money Market Rates

Apy	Min	Max	Product
0.50%	$500k	-	Premium Money Market Account
0.50%	$500k	-	Business Premium Money Market Account
0.30%	$100k	-	Regular Money Market Account
0.30%	$100k	-	Business Money Market Account

Burke & Herbert Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.20%	$10k	-	60 Month CD w/ checking
1.20%	$100k	-	60 Month Jumbo CD w/ checking
1.00%	$10k	-	60 Month CD w/o checking
1.00%	$100k	-	60 Month Jumbo CD w/o checking
1.00%	$25k	-	30 Month Stepped CD w/ checking
0.90%	$10k	-	48 Month CD w/ checking
0.90%	$100k	-	48 Month Jumbo CD w/ checking
0.80%	$10k	-	36 Month CD w/ checking
0.80%	$10k	-	48 Month CD w/o checking
0.80%	$100k	-	36 Month Jumbo CD w/ checking
0.80%	$100k	-	48 Month Jumbo CD - w/o checking
0.80%	$25k	-	35 Month Bump Up CD w/ checking
0.70%	$10k	-	19 Month CD w/ checking
0.70%	$10k	-	36 Month CD w/o checking
0.70%	$500	-	48 Month CD
0.70%	$500	-	60 Month CD
0.70%	$100k	-	36 Month Jumbo CD w/o checking
0.70%	$10k	-	35 Month Bump Up CD w/ checking
0.60%	$10k	-	19 Month CD w/o checking
0.60%	$500	-	24 Month CD
0.60%	$500	-	30 Month CD
0.60%	$500	-	36 Month CD
0.60%	$25k	-	25 Month Bump Up CD w/ checking
0.55%	$500	-	18 Month CD
0.55%	$100k	-	18 Month Jumbo CD
0.55%	$10k	-	35 Month Bump Up CD w/o checking
0.50%	$500	-	12 Month CD
0.50%	$100k	-	12 Month Jumbo CD
0.50%	$10k	-	25 Month Bump Up CD w/ checking
0.45%	$10k	-	25 Month Bump Up CD w/o checking
0.45%	$500	-	35 Month Bump Up CD
0.40%	$10k	-	52 Week CDARS
0.35%	$500	-	6 Month CD
0.35%	$100k	-	6 Month Jumbo CD
0.35%	$500	-	25 Month Bump Up CD
0.25%	$500	-	30 Day CD
0.25%	$500	-	60 Day CD
0.25%	$500	-	90 Day CD
0.25%	$100k	-	30 Day Jumbo CD
0.25%	$100k	-	60 Day Jumbo CD
0.25%	$100k	-	90 Day Jumbo CD
0.20%	$10k	-	26 Week CDARS
0.15%	$10k	-	4 Week CDARS
0.15%	$10k	-	13 Week CDARS

Burke & Herbert Bank & Trust Company IRA Rates

Apy	Min	Max	Product
1.20%	$100	-	60-Month Fixed IRA
0.80%	$100	-	36-Month Fixed IRA
0.60%	$25k	-	25-Month Fixed IRA - w/checking
0.55%	$100	-	18-Month Variable IRA
0.50%	$10k	-	25-Month Fixed IRA - w/checking
0.45%	$100	-	25-Month Fixed IRA - w/o checking

Rates updated: 5/23/2012 * Not all products updated

Data for Q4 2011

Institution Statistics

Burke & Herbert Bank & Trust Company
FDIC Certificate #	11578
BankRate Report	View
Year Established	1852
Employees	388
Primary Regulator	FDIC
Assets and Liabilities
Assets	$2.46 billion
Loans	$1.21 billion
Deposits	$2.02 billion
Equity Capital	$248.88 million
Loan Loss Allowance	$15.32 million
Unbacked Noncurrent Loans	$19.24 million
Real Estate Owned	$3.90 million
Historic Data - December 2010
Assets	$2.28 billion
Equity Capital	$225.19 million
Loan Loss Allowance	$13.81 million
Unbacked Noncurrent Loans	$11.59 million
Real Estate Owned	$3.59 million
Profit Margin - Quarterly
Net Interest Margin	4.21%
Return on Assets	1.5%
Return on Equity	14.88%
Interest Income	$112.48 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 Burke & Herbert Bank & Trust Company had $23.14 million in non-current loans and owned real-estate with $264.21 million in equity and loan loss allowances on hand to cover it. This gives Burke & Herbert Bank & Trust Company a Texas Ratio of 8.76% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Burke & Herbert Bank & Trust Company held steady from 6.35% as of December 31, 2010 to 8.76% as of December 31, 2011, resulting in a negative change of 37.91%. This indicates that the balance sheet and financial strength for Burke & Herbert Bank & Trust Company has held steady in recent periods.
Deposit Growth
In the past year, Burke & Herbert Bank & Trust Company has increased its total deposits by $200.77 million, resulting in 11.02% 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 Burke & Herbert Bank & Trust Company 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. Burke & Herbert Bank & Trust Company has $2.46 billion in assets with $264.21 million in equity, resulting in a capitalization level of 10.73%, which is above average.

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