Community Bank (VA)

Community Bank (VA) is headquartered in Staunton and is the 44^th largest bank in the state of Virginia. It is also the 1,339^th largest bank in the nation. It was established in 1928 and as of March of 2012, it had grown to 147 employees at 11 locations. Community Bank (VA) has a 2-star health rating.

Data for Q1 2012

Institution Statistics Community Bank OTS # 05307 FDIC Certificate # 30417 BankRate Report View Year Established 1928 Employees 147 Primary Regulator OCC Assets and Liabilities Assets $506.55 million Loans $445.10 million Deposits $374.42 million Equity Capital $49.11 million Loan Loss Allowance $7.40 million Unbacked Noncurrent Loans $15.14 million Real Estate Owned $9.26 million Historic Data - March 2011 Assets $530.86 million Equity Capital $48.76 million Loan Loss Allowance $5.79 million Unbacked Noncurrent Loans $6.18 million Real Estate Owned $10.26 million Profit Margin - Quarterly Net Interest Margin 4.97% Return on Assets 0.87% Return on Equity 9% Interest Income $6.46 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 March 31, 2012 Community Bank (VA) had $24.39 million in non-current loans and owned real-estate with $56.51 million in equity and loan loss allowances on hand to cover it. This gives Community Bank (VA) a Texas Ratio of 43.17% 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 Community Bank (VA) increased slightly from 30.14% as of March 31, 2011 to 43.17% as of March 31, 2012, resulting in a negative change of 43.23%. This indicates that the balance sheet and financial strength for Community Bank (VA) has declined slightly in recent periods. Deposit Growth In the past year, Community Bank (VA) has decreased its total deposits by -$6.62 million, resulting in -1.74% 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 Community Bank (VA) has shown is below 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. Community Bank (VA) has $506.55 million in assets with $56.51 million in equity, resulting in a capitalization level of 11.16%, which is above average.

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