FDIC Certificate #: 58658 Status: Active Federal Reserve ID: 3626858 Bank Holding Company (Regulatory Top Holder): Virginia Community Capital, Inc. (RSSDID: 3628535, Location: Christiansburg, VA) Date Established: August 20, 2008 WWW:http://www.vacommunitycapital.org Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 461847 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: August 20, 2008 Last Structure Change Effective Date: August 20, 2008 Last Structure Change Process Date: August 21, 2008 Last Data Update: August 21, 2008 Data Source Date: April 05, 2012
Location
Address: 990 Cambria Street, Ne, Christiansburg, VA 24073 County: Montgomery Quarterly Banking Profile Region: Atlanta FDIC Geographic Region: Atlanta FDIC Supervisory Region: Atlanta FDIC Field Office: Richmond Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Southeast Core Based Statistical Area (CBSA): Blacksburg-Christiansburg-Radford, VA (#13980) CBSA Metro Statistical Area: Blacksburg-Christiansburg-Radford, VA (#13980)
History of Changes
Change in Geographic Region/Area/Territory/Field Office
New Institution
Financial Summary
Total assets: $55.8 mil Equity capital: $9.6 mil Deposits held in domestic offices: $44.4 mil Return on assets (ROA): 1.06% ($0.6 mil) Quarterly return on assets: 2.74% ($1.5 mil) Return on Equity (ROE): 6.16% ($0.6 mil) Quarterly return on equity: 16.39% ($1.6 mil) Net income: $0.6 mil Quarterly Net income: $0.4 mil Pretax return on assets: 1.60% ($893.1 mil) Quarterly Pretax return on assets: 4.16% ($2,322.0 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
19Total employees (full-time equivalent)
$55,817Total assets
$10,797Cash and due from depository institutions
$10,691Interest-bearing balances
$842Securities
$599Federal funds sold & reverse repurchase agreements
$42,202Net loans & leases
$707Loan loss allowance
$0Trading account assets
$69Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$55,817Life insurance assets
$1,308All other assets
$46,204Total liabilities and capital
$44,364Total liabilities
$43,744Total deposits
$44,364Interest-bearing deposits
$92Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,409Trading liabilities
$0Other borrowed funds
$431Subordinated debt
$9,613All other liabilities
$9,613Total equity capital
$9,613Total bank equity capital
$0Perpetual preferred stock
$4,585Common stock
$4,470Surplus
$558Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,394Income earned, not collected on loans
$0Earning assets
$187Long-term assets (5+ years)
$54,334Average Assets, year-to-date
$9,742Average Assets, quarterly
$53,653Volatile liabilities
$56,281Insider loans
$41,640FHLB advances
$54,909Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,485Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,176Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,535Total interest income
$827Total interest expense
$1,708Net interest income
$250Provision for loan and lease losses
$526Total noninterest income
$0Fiduciary activities
$1Service charges on deposit accounts
$0Trading account gains & fees
$525Additional noninterest income
$1,069Total noninterest expense
$483Salaries and employee benefits
$113Premises and equipment expense
$473Additional noninterest expense
$915Pre-tax net operating income
-$57Securities gains (losses)
$291Applicable income taxes
$567Income before extraordinary items
$0Extraordinary gains - net
$567Net income attributable to bank
$0Net charge-offs
$567Cash dividends
$0Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.82%Yield on earning assets
1.57%Cost of funding earning assets
3.25%Net interest margin
1.00%Noninterest income to earning assets
2.03%Noninterest expense to earning assets
1.13%Net operating income to assets
1.06%Return on assets (ROA)
1.60%Pretax return on assets
6.16%Return on equity (ROE)
6.16%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
47,851Assets per employee
2.94%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.65%Loss allowance to noncurrent loans
50.72%Noncurrent assets plus other real estate owned to assets
2.50%Noncurrent loans to loans
3.25%Net loans and leases to deposits
95.13%Net loans and leases to core deposits
127.93%Equity capital to assets
17.22%Core capital (leverage) ratio
17.27%Tier 1 risk-based capital ratio
22.78%Total risk-based capital ratio
Memoranda
$24Average assets
$53,653Average earning assets
$9,201Average equity
$52,559Average loans
List of branches
1 Virginia Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
461847
Community Capital Bank Of Virginia
990 Cambria Street, Ne, Christiansburg, VA 24073
August 20, 2008
Full Service Brick and Mortar
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