Vitals
  • Total Assets
    205.6M 11.8 %
  • Total Deposits
    174.9M 10.0 %
  • Total Net Loans
    165.2M 12.0 %
  • Net Income
    2.1M 20.4 %
  • Book Value
    19.7M 7.2 %
  • Book Value x2
    39.4M 7.2 %
  • Book Value x3
    59.1M 7.2 %
ROAA

1.093

ROAE

11.05

Efficiency Ratio

63.783

Net Interest Margin

5.071

Balance Sheet Highlights
Financial Highlights First Sentinel Bank All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 205,604 858,303
Total Net Loans 165,227 607,607
Total Deposits 174,924 699,932
Total Equity 19,706 97,657
Profitability
Net Income 2,094 7,896
Return on Average Assets 1.093 .794
Return on Average Equity 11.05 6.983
Net Interest Margin 5.071 3.805
Efficiency Ratio 63.783 71.157
Noninterest Income/Revenue 14.899 16.327
Balance Sheet Ratios
Loan-to-Deposit 94.456 84.705
Securities/Assets .003 .136
Total Equity/Total Assets .096 .114
Tangible Equity/Tangible Assets .096 .103
Capital Adequacy
Tier 1 Common Capital 19,706 87,521
Tier 1 Capital 19,706 87,589
Tier 2 Capital 1,808 6,159
Total Capital 21,514 93,977
Total Risk Weighted Assets 143,871 657,024
Leverage Ratio 9.92 10.765
Common Equity Tier 1 Capital Ratio 13.7 14.768
Tier 1 Capital Ratio 13.7 14.769
Total Capital Ratio 14.95 15.893

Timeline for First Sentinel Bank

Jeffersonville Title Agency, Llc

Jeffersonville Title Agency, Llc became a new subsidiary organization for First Sentinel Bank.

View Profile Mar 20 2012

First Region Bancshares, Inc.

First Region Bancshares, Inc. became a new parent organization for First Sentinel Bank.

View Profile Oct 01 1998

First Sentinel Bank

First Sentinel Bank was established 46 years ago and is currently headquartered in Richlands, VA.

Jun 20 1978
Relationships Role Relationship Start Relationship End
First Region Bancshares, Inc. Parent 10/1/1998
Jeffersonville Title Agency, Llc Subsidary 3/20/2012
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