Hopewell Valley Community Bank

Hopewell Valley Community Bank Locations

4 Route 31 South
Pennington, NJ 8534
(609) 466-2900
www.hvcbonline.com

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Hopewell Valley Community Bank is headquartered in Pennington and is the 51^st largest bank in the state of New Jersey. It is also the 1,600^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 73 employees at 8 locations. Hopewell Valley Community Bank has a 5-star health rating.

Hopewell Valley Community Bank Routing Number: 031207827

New Branch Special In NJ: 12-Month CD With $5K Max At Hopewell Valley Community Bank (Forum) - 4/29/2012

This is a nice CD special rate, but the $5K maximum deposit is a big downside. The details: 2.00% APY 12-month CD Maximum deposit: $5,000 Only one offer per individual Rate only available at Flemington office The new Flemington office is located a

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See Rates for: Checking | Savings | Money Market | CD

Hopewell Valley Community Bank Checking Account Rates

	Apy	Min	Max	Product
	0.40%	$25k	-	Getting Better Now Account

Hopewell Valley Community Bank Savings Account Rates

Apy	Min	Max	Product
0.50%	$25k	-	Statement Savings Account
0.35%	$25k	-	Government Account
0.35%	$25k	-	Non Profit Account

Hopewell Valley Community Bank Money Market Rates

	Apy	Min	Max	Product
	0.50%	$25k	-	Money Market Account

Hopewell Valley Community Bank CD Rates

Apy	Min	Max	Product
1.50%	$500	-	36 Month CD
1.10%	$500	-	24 Month CD
0.90%	$500	-	18 Month CD
0.75%	$500	-	12 Month CD
0.75%	$500	-	13 Month CD
0.40%	$500	-	6 Month CD
0.30%	$500	-	90 Day CD

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Hopewell Valley Community Bank
FDIC Certificate #	34942
BankRate Report	View
Year Established	1999
Employees	73
Primary Regulator	FDIC
Assets and Liabilities
Assets	$415.90 million
Loans	$245.11 million
Deposits	$348.83 million
Equity Capital	$42.23 million
Loan Loss Allowance	$3.52 million
Unbacked Noncurrent Loans	$2.15 million
Real Estate Owned	$325,000
Historic Data - March 2011
Assets	$365.96 million
Equity Capital	$28.25 million
Loan Loss Allowance	$2.89 million
Unbacked Noncurrent Loans	$1.47 million
Real Estate Owned	$178,000
Profit Margin - Quarterly
Net Interest Margin	3.2%
Return on Assets	0.48%
Return on Equity	4.65%
Interest Income	$3.93 million

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 Hopewell Valley Community Bank had $2.48 million in non-current loans and owned real-estate with $45.75 million in equity and loan loss allowances on hand to cover it. This gives Hopewell Valley Community Bank a Texas Ratio of 5.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Hopewell Valley Community Bank held steady from 5.30% as of March 31, 2011 to 5.42% as of March 31, 2012, resulting in a negative change of 2.18%. This indicates that the balance sheet and financial strength for Hopewell Valley Community Bank has held steady in recent periods.
Deposit Growth
In the past year, Hopewell Valley Community Bank has increased its total deposits by $37.19 million, resulting in 11.93% 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 Hopewell Valley 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. Hopewell Valley Community Bank has $415.9 million in assets with $45.75 million in equity, resulting in a capitalization level of 11.00%, which is above average.