Virginia Commerce Bank

Virginia Commerce Bank is headquartered in Arlington and is the 9^th largest bank in the state of Virginia. It is also the 241^st largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 316 employees at 29 locations. Virginia Commerce Bank's savings rates are 6X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Virginia Commerce Bank FDIC Certificate # 27249 BankRate Report View Year Established 1988 Employees 316 Primary Regulator FED Assets and Liabilities Assets $2.95 billion Loans $2.11 billion Deposits $2.25 billion Equity Capital $346.76 million Loan Loss Allowance $45.37 million Unbacked Noncurrent Loans $46.60 million Real Estate Owned $12.93 million Historic Data - March 2011 Assets $2.78 billion Equity Capital $308.53 million Loan Loss Allowance $56.47 million Unbacked Noncurrent Loans $54.63 million Real Estate Owned $18.88 million Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 0.96% Return on Equity 8.24% Interest Income $34.01 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 Virginia Commerce Bank had $59.53 million in non-current loans and owned real-estate with $392.13 million in equity and loan loss allowances on hand to cover it. This gives Virginia Commerce Bank a Texas Ratio of 15.18% 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 Virginia Commerce Bank decreased slightly from 20.14% as of March 31, 2011 to 15.18% as of March 31, 2012, resulting in a positive change of 24.63%.This indicates that the balance sheet and financial strength for Virginia Commerce Bank has improved slightly in recent periods. Deposit Growth In the past year, Virginia Commerce Bank has decreased its total deposits by -$13.13 million, resulting in -0.58% 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 Virginia Commerce 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. Virginia Commerce Bank has $2.95 billion in assets with $392.13 million in equity, resulting in a capitalization level of 13.28%, which is excellent.