Vitals
  • Total Assets
    484.7M 2.1 %
  • Total Deposits
    385.7M 0.6 %
  • Total Net Loans
    389.9M 10.1 %
  • Net Income
    4.2M -9.2 %
  • Book Value
    41.4M 12.1 %
  • Book Value x2
    82.7M 12.1 %
  • Book Value x3
    124.1M 12.1 %
ROAA

1.723

ROAE

20.757

Efficiency Ratio

46.458

Net Interest Margin

4.403

Balance Sheet Highlights
Financial Highlights The National Bank Of Fredericksburg All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 484,710 389,996
Total Net Loans 389,859 288,577
Total Deposits 385,728 307,524
Total Equity 41,367 40,816
Profitability
Net Income 4,151 2,825
Return on Average Assets 1.723 1.01
Return on Average Equity 20.757 9.89
Net Interest Margin 4.403 4.088
Efficiency Ratio 46.458 71.152
Noninterest Income/Revenue 10.401 11.289
Balance Sheet Ratios
Loan-to-Deposit 101.071 88.53
Securities/Assets .142 .26
Total Equity/Total Assets .085 .105
Tangible Equity/Tangible Assets .085 .017
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 42,884 37,713
Tier 2 Capital 10,925 3,320
Total Capital 53,809 41,137
Total Risk Weighted Assets 434,474 305,931
Leverage Ratio 8.87 10.665
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 9.87 13.865
Total Capital Ratio 12.38 14.981

Timeline for The National Bank Of Fredericksburg

Pnc Bank, National Association

The National Bank Of Fredericksburg was acquired by Pnc Bank, National Association 16 years

View Profile Sep 15 2007

Pnc Financial Services Group, Inc., The

Pnc Financial Services Group, Inc., The became a new parent organization for The National Bank Of Fredericksburg.

View Profile Mar 02 2007

Labrador Holdings, Inc.

Labrador Holdings, Inc. became a new subsidiary organization for The National Bank Of Fredericksburg.

View Profile Nov 04 1998

Mercantile Bankshares Corporation

Mercantile Bankshares Corporation became a new parent organization for The National Bank Of Fredericksburg.

View Profile Dec 01 1994

Fredericksburg National Bancorp, Inc.

Fredericksburg National Bancorp, Inc. became a new parent organization for The National Bank Of Fredericksburg.

View Profile Dec 31 1982

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Complete timeline for The National Bank Of Fredericksburg is available.

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Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Pnc Bank, National Association Buyer 43,244,081 Pooling of Interests Discontinued 9/15/2007
Relationships Role Relationship Start Relationship End
Pnc Financial Services Group, Inc., The Parent 3/2/2007 9/14/2007
Mercantile Bankshares Corporation Parent 12/1/1994 3/1/2007
Fredericksburg National Bancorp, Inc. Parent 12/31/1982 11/30/1994
Labrador Holdings, Inc. Subsidary 11/4/1998 3/1/2007
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