Community Capital Bank of Virginia

Community Capital Bank of Virginia is headquartered in Christiansburg and is the 104^th largest bank in the state of Virginia. It is also the 6,177^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 20 employees at 1 location. Community Capital Bank of Virginia has a 5-star health rating.

Community Capital Bank of Virginia Routing Number: 051409524

Data for Q1 2012

Institution Statistics Community Capital Bank of Virginia FDIC Certificate # 58658 BankRate Report View Year Established 2008 Employees 20 Primary Regulator FED Assets and Liabilities Assets $56.33 million Loans $41.71 million Deposits $45.00 million Equity Capital $9.69 million Loan Loss Allowance $708,000 Unbacked Noncurrent Loans $1.19 million Historic Data - March 2011 Assets $54.85 million Equity Capital $9.02 million Loan Loss Allowance $482,000 Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.53% Return on Equity 3.11% Interest Income $735,000

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 March 31, 2012 Community Capital Bank of Virginia had $1.19 million in non-current loans and owned real-estate with $10.4 million in equity and loan loss allowances on hand to cover it. This gives Community Capital Bank of Virginia a Texas Ratio of 11.41% 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 Community Capital Bank of Virginia decreased significantly from (infinite) as of March 31, 2011 to 11.41% as of March 31, 2012, resulting in a positive change of (infinite). This indicates that the balance sheet and financial strength for Community Capital Bank of Virginia has improved significantly in recent periods. Deposit Growth In the past year, Community Capital Bank of Virginia has increased its total deposits by $1.06 million, resulting in 2.41% 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 Capital Bank of Virginia 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. Community Capital Bank of Virginia has $56.33 million in assets with $10.4 million in equity, resulting in a capitalization level of 18.46%, which is excellent.

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