StellarOne Bank

StellarOne Bank is headquartered in Christiansburg and is the 10^st largest bank in the state of Virginia. It is also the 245^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 774 employees at 58 locations. StellarOne Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics StellarOne Bank FDIC Certificate # 6834 BankRate Report View Year Established 1900 Employees 774 Primary Regulator FED Assets and Liabilities Assets $2.92 billion Loans $2.02 billion Deposits $2.41 billion Equity Capital $438.55 million Loan Loss Allowance $31.62 million Unbacked Noncurrent Loans $38.26 million Real Estate Owned $6.84 million Historic Data - March 2011 Assets $2.89 billion Equity Capital $440.51 million Loan Loss Allowance $37.52 million Unbacked Noncurrent Loans $43.32 million Real Estate Owned $9.04 million Profit Margin - Quarterly Net Interest Margin 3.75% Return on Assets 0.8% Return on Equity 5.34% Interest Income $28.96 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 StellarOne Bank had $45.09 million in non-current loans and owned real-estate with $470.16 million in equity and loan loss allowances on hand to cover it. This gives StellarOne Bank a Texas Ratio of 9.59% 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 StellarOne Bank held steady from 10.95% as of March 31, 2011 to 9.59% as of March 31, 2012, resulting in a positive change of 12.44%.This indicates that the balance sheet and financial strength for StellarOne Bank has held steady in recent periods. Deposit Growth In the past year, StellarOne Bank has increased its total deposits by $28.5 million, resulting in 1.2% 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 StellarOne Bank 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. StellarOne Bank has $2.92 billion in assets with $470.16 million in equity, resulting in a capitalization level of 16.11%, which is excellent.

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