The Fauquier Bank

The Fauquier Bank is headquartered in Warrenton and is the 35^th largest bank in the state of Virginia. It is also the 1,134^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 158 employees at 10 locations. The Fauquier Bank has a 4-star health rating.

The Fauquier Bank Routing Number: 051402259

Data for Q1 2012

Institution Statistics The Fauquier Bank FDIC Certificate # 6923 BankRate Report View Year Established 1902 Employees 158 Primary Regulator FED Assets and Liabilities Assets $592.67 million Loans $450.36 million Deposits $511.48 million Equity Capital $50.53 million Loan Loss Allowance $6.88 million Unbacked Noncurrent Loans $4.93 million Real Estate Owned $1.78 million Historic Data - March 2011 Assets $592.87 million Equity Capital $48.08 million Loan Loss Allowance $6.67 million Unbacked Noncurrent Loans $1.71 million Real Estate Owned $3.23 million Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 0.74% Return on Equity 8.84% Interest Income $6.50 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 Fauquier Bank had $6.71 million in non-current loans and owned real-estate with $57.41 million in equity and loan loss allowances on hand to cover it. This gives The Fauquier Bank a Texas Ratio of 11.69% 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 The Fauquier Bank held steady from 9.03% as of March 31, 2011 to 11.69% as of March 31, 2012, resulting in a negative change of 29.46%. This indicates that the balance sheet and financial strength for The Fauquier Bank has held steady in recent periods. Deposit Growth In the past year, The Fauquier Bank has decreased its total deposits by -$3.51 million, resulting in -0.68% 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 Fauquier Bank has shown is 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. The Fauquier Bank has $592.67 million in assets with $57.41 million in equity, resulting in a capitalization level of 9.69%, which is average.

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