Community Bankers' Bank

Community Bankers' Bank is headquartered in Midlothian and is the 87^th largest bank in the state of Virginia. It is also the 4,032^nd largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 23 employees at 1 location. Community Bankers' Bank has a 3-star health rating.

Community Bankers' Bank Routing Number: 051005106

Data for Q1 2012

Institution Statistics Community Bankers' Bank FDIC Certificate # 26871 BankRate Report View Year Established 1987 Employees 23 Primary Regulator FED Assets and Liabilities Assets $140.99 million Loans $80.76 million Deposits $118.37 million Equity Capital $15.07 million Loan Loss Allowance $3.62 million Unbacked Noncurrent Loans $3.80 million Real Estate Owned $1.46 million Historic Data - March 2011 Assets $161.57 million Equity Capital $14.31 million Loan Loss Allowance $3.23 million Unbacked Noncurrent Loans $3.68 million Real Estate Owned $2.42 million Profit Margin - Quarterly Net Interest Margin 3.35% Return on Assets 0.4% Return on Equity 3.81% Interest Income $1.25 million

Institution Health Overall Score: 3 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 Bankers' Bank had $5.26 million in non-current loans and owned real-estate with $18.68 million in equity and loan loss allowances on hand to cover it. This gives Community Bankers' Bank a Texas Ratio of 28.15% 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 Community Bankers' Bank decreased slightly from 34.77% as of March 31, 2011 to 28.15% as of March 31, 2012, resulting in a positive change of 19.03%.This indicates that the balance sheet and financial strength for Community Bankers' Bank has improved slightly in recent periods. Deposit Growth In the past year, Community Bankers' Bank has decreased its total deposits by -$20.67 million, resulting in -14.87% 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 Bankers' Bank has shown is poor. 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 Bankers' Bank has $140.99 million in assets with $18.68 million in equity, resulting in a capitalization level of 13.25%, which is excellent.

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