TruPoint Bank

TruPoint Bank is headquartered in Grundy and is the 48^th largest bank in the state of Virginia. It is also the 1,461^st largest bank in the nation. It was established in 1975 and as of March of 2012, it had grown to 151 employees at 12 locations. TruPoint Bank has a 3-star health rating.

TruPoint Bank Routing Number: 051403672

Data for Q1 2012

Institution Statistics TruPoint Bank FDIC Certificate # 21883 BankRate Report View Year Established 1975 Employees 151 Primary Regulator FED Assets and Liabilities Assets $456.62 million Loans $248.93 million Deposits $391.66 million Equity Capital $43.19 million Loan Loss Allowance $7.35 million Unbacked Noncurrent Loans $32.21 million Real Estate Owned $511,000 Historic Data - March 2011 Assets $480.44 million Equity Capital $40.55 million Loan Loss Allowance $7.72 million Unbacked Noncurrent Loans $22.16 million Real Estate Owned $948,000 Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 0.97% Return on Equity 10.33% Interest Income $4.71 million

Institution Health Overall Score: 3 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 TruPoint Bank had $32.72 million in non-current loans and owned real-estate with $50.54 million in equity and loan loss allowances on hand to cover it. This gives TruPoint Bank a Texas Ratio of 64.75% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for TruPoint Bank increased slightly from 47.86% as of March 31, 2011 to 64.75% as of March 31, 2012, resulting in a negative change of 35.28%. This indicates that the balance sheet and financial strength for TruPoint Bank has declined slightly in recent periods. Deposit Growth In the past year, TruPoint Bank has increased its total deposits by $8.04 million, resulting in 2.1% 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 TruPoint 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. TruPoint Bank has $456.62 million in assets with $50.54 million in equity, resulting in a capitalization level of 11.07%, which is above average.

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