Vitals
  • Total Assets
    240.0M 11.1 %
  • Total Deposits
    202.9M 4.8 %
  • Total Net Loans
    172.6M 12.2 %
  • Net Income
    2.1M 52.1 %
  • Book Value
    24.1M 10.6 %
  • Book Value x2
    48.2M 10.6 %
  • Book Value x3
    72.3M 10.6 %
ROAA

.932

ROAE

8.92

Efficiency Ratio

79.187

Net Interest Margin

4.4

Balance Sheet Highlights
Financial Highlights Virginia Community Bank All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 240,010 858,303
Total Net Loans 172,633 607,607
Total Deposits 202,883 699,932
Total Equity 24,103 97,657
Profitability
Net Income 2,064 7,896
Return on Average Assets .932 .794
Return on Average Equity 8.92 6.983
Net Interest Margin 4.4 3.805
Efficiency Ratio 79.187 71.157
Noninterest Income/Revenue 11.974 16.327
Balance Sheet Ratios
Loan-to-Deposit 85.09 84.705
Securities/Assets .191 .136
Total Equity/Total Assets .1 .114
Tangible Equity/Tangible Assets .1 .103
Capital Adequacy
Tier 1 Common Capital 23,948 87,521
Tier 1 Capital 23,948 87,589
Tier 2 Capital 2,426 6,159
Total Capital 26,374 93,977
Total Risk Weighted Assets 193,974 657,024
Leverage Ratio 10.24 10.765
Common Equity Tier 1 Capital Ratio 12.35 14.768
Tier 1 Capital Ratio 12.35 14.769
Total Capital Ratio 13.6 15.893

Timeline for Virginia Community Bank

Vcb Services, Inc.

Vcb Services, Inc. became a new subsidiary organization for Virginia Community Bank.

View Profile May 09 1994

Virginia Community Bankshares, Inc.

Virginia Community Bankshares, Inc. became a new parent organization for Virginia Community Bank.

View Profile Oct 01 1984

Virginia Community Bank

Virginia Community Bank was established 47 years ago and is currently headquartered in Louisa, VA.

Sep 10 1976
Relationships Role Relationship Start Relationship End
Virginia Community Bankshares, Inc. Parent 10/1/1984
Vcb Services, Inc. Subsidary 6/30/2007
Vcb Services, Inc. Subsidary 5/9/1994 6/29/2007
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