The Bank of Fincastle

The Bank of Fincastle is headquartered in Fincastle and is the 78^th largest bank in the state of Virginia. It is also the 3,275^th largest bank in the nation. It was established in 1875 and as of March of 2012, it had grown to 60 employees at 8 locations. The Bank of Fincastle's money market rates are 36% higher than the national average, and it has a 4-star health rating.

The Bank of Fincastle Checking Account Rates

The Bank of Fincastle Savings Account Rates

The Bank of Fincastle Money Market Rates

The Bank of Fincastle CD Rates

The Bank of Fincastle IRA Rates

Data for Q1 2012

Institution Statistics The Bank of Fincastle FDIC Certificate # 6128 BankRate Report View Year Established 1875 Employees 60 Primary Regulator FDIC Assets and Liabilities Assets $188.06 million Loans $139.15 million Deposits $161.42 million Equity Capital $25.71 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $2.09 million Real Estate Owned $2.29 million Historic Data - March 2011 Assets $179.29 million Equity Capital $24.82 million Loan Loss Allowance $1.90 million Unbacked Noncurrent Loans $546,000 Real Estate Owned $4.28 million Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 0.89% Return on Equity 6.43% Interest Income $1.93 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 The Bank of Fincastle had $4.39 million in non-current loans and owned real-estate with $27.38 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Fincastle a Texas Ratio of 16.02% 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 The Bank of Fincastle held steady from 18.07% as of March 31, 2011 to 16.02% as of March 31, 2012, resulting in a positive change of 11.34%.This indicates that the balance sheet and financial strength for The Bank of Fincastle has held steady in recent periods. Deposit Growth In the past year, The Bank of Fincastle has increased its total deposits by $7.94 million, resulting in 5.18% 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 The Bank of Fincastle 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. The Bank of Fincastle has $188.06 million in assets with $27.38 million in equity, resulting in a capitalization level of 14.56%, which is excellent.

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