The National Bank of Blacksburg

The National Bank of Blacksburg is headquartered in Blacksburg and is the 20^th largest bank in the state of Virginia. It is also the 607^th largest bank in the nation. It was established in 1891 and as of March of 2012, it had grown to 191 employees at 25 locations. The National Bank of Blacksburg has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The National Bank of Blacksburg FDIC Certificate # 6821 BankRate Report View Year Established 1891 Employees 191 Primary Regulator OCC Assets and Liabilities Assets $1.08 billion Loans $577.87 million Deposits $931.90 million Equity Capital $142.15 million Loan Loss Allowance $8.06 million Unbacked Noncurrent Loans $5.54 million Real Estate Owned $941,000 Historic Data - March 2011 Assets $1.02 billion Equity Capital $130.92 million Loan Loss Allowance $8.25 million Unbacked Noncurrent Loans $8.73 million Real Estate Owned $2.22 million Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 1.67% Return on Equity 12.75% Interest Income $12.03 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 The National Bank of Blacksburg had $6.48 million in non-current loans and owned real-estate with $150.21 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Blacksburg a Texas Ratio of 4.31% 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 The National Bank of Blacksburg decreased significantly from 7.87% as of March 31, 2011 to 4.31% as of March 31, 2012, resulting in a positive change of 45.20%.This indicates that the balance sheet and financial strength for The National Bank of Blacksburg has improved significantly in recent periods. Deposit Growth In the past year, The National Bank of Blacksburg has increased its total deposits by $45.92 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 National Bank of Blacksburg 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 National Bank of Blacksburg has $1.08 billion in assets with $150.21 million in equity, resulting in a capitalization level of 13.90%, which is excellent.

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