First Virginia Community Bank

First Virginia Community Bank is headquartered in Fairfax and is the 68^th largest bank in the state of Virginia. It is also the 2,352^nd largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 44 employees at 3 locations. First Virginia Community Bank has a 4-star health rating.

First Virginia Community Bank Routing Number: 056009505

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Data for Q1 2012

Institution Statistics First Virginia Community Bank FDIC Certificate # 58696 BankRate Report View Year Established 2007 Employees 44 Primary Regulator FED Assets and Liabilities Assets $274.52 million Loans $228.72 million Deposits $232.97 million Equity Capital $34.92 million Loan Loss Allowance $2.96 million Unbacked Noncurrent Loans $5.83 million Historic Data - March 2011 Assets $240.17 million Equity Capital $25.34 million Loan Loss Allowance $2.24 million Unbacked Noncurrent Loans $5.03 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 0.53% Return on Equity 4.11% Interest Income $3.34 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 March 31, 2012 First Virginia Community Bank had $5.83 million in non-current loans and owned real-estate with $37.88 million in equity and loan loss allowances on hand to cover it. This gives First Virginia Community Bank a Texas Ratio of 15.38% 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 First Virginia Community Bank decreased slightly from 18.26% as of March 31, 2011 to 15.38% as of March 31, 2012, resulting in a positive change of 15.75%.This indicates that the balance sheet and financial strength for First Virginia Community Bank has improved slightly in recent periods. Deposit Growth In the past year, First Virginia Community Bank has increased its total deposits by $24.3 million, resulting in 11.65% 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 First Virginia Community Bank 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. First Virginia Community Bank has $274.52 million in assets with $37.88 million in equity, resulting in a capitalization level of 13.80%, which is excellent.

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