Highlands Community Bank

Highlands Community Bank is headquartered in Covington and is the 95^th largest bank in the state of Virginia. It is also the 4,523^rd largest bank in the nation. It was established in 2002 and as of March of 2012, it had grown to 20 employees at 2 locations. Highlands Community Bank has a 4-star health rating.

Highlands Community Bank Routing Number: 051409171

Data for Q1 2012

Institution Statistics Highlands Community Bank FDIC Certificate # 57420 BankRate Report View Year Established 2002 Employees 20 Primary Regulator FED Assets and Liabilities Assets $117.33 million Loans $57.10 million Deposits $104.13 million Equity Capital $12.24 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $1.78 million Real Estate Owned $1.08 million Historic Data - March 2011 Assets $107.16 million Equity Capital $10.14 million Loan Loss Allowance $722,000 Unbacked Noncurrent Loans $1.28 million Profit Margin - Quarterly Net Interest Margin 3.28% Return on Assets 1.05% Return on Equity 9.88% Interest Income $1.34 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 Highlands Community Bank had $2.86 million in non-current loans and owned real-estate with $13.54 million in equity and loan loss allowances on hand to cover it. This gives Highlands Community Bank a Texas Ratio of 21.10% 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 Highlands Community Bank increased slightly from 11.82% as of March 31, 2011 to 21.10% as of March 31, 2012, resulting in a negative change of 78.51%. This indicates that the balance sheet and financial strength for Highlands Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Highlands Community Bank has increased its total deposits by $7.64 million, resulting in 7.91% 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 Highlands 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. Highlands Community Bank has $117.33 million in assets with $13.54 million in equity, resulting in a capitalization level of 11.54%, which is above average.

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