StellarOne Bank in Christiansburg, Virginia (VA)

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StellarOne Bank
GeneralFDIC Certificate #: 6834
Status: Active
Federal Reserve ID: 1009420
Bank Holding Company (Regulatory Top Holder): Stellarone Corporation (RSSDID: 2502049, Location: Charlottesville, VA)
Date Established: August 02, 1900
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 60 (Domestic: 60, Interstate: No)
FDIC's unique #: 4594
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: January 01, 1934
Last Structure Change Effective Date: May 24, 2008
Last Structure Change Process Date: June 06, 2008
Last Data Update: June 06, 2008
Data Source Date: April 05, 2012
LocationAddress: 105 Arbor Drive, 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 ChangesParticipated in Absorption/Consolidation/Merger
Change in FED-RSSD-ID
Financial SummaryTotal assets: $2,911.7 mil
Equity capital: $433.1 mil
Deposits held in domestic offices: $2,404.3 mil
Return on assets (ROA): 0.59% ($17.2 mil)
Quarterly return on assets: 0.72% ($21.0 mil)
Return on Equity (ROE): 3.92% ($17.0 mil)
Quarterly return on equity: 4.75% ($20.6 mil)
Net income: $17.3 mil
Quarterly Net income: $5.2 mil
Pretax return on assets: 0.78% ($22,711.1 mil)
Quarterly Pretax return on assets: 0.97% ($28,243.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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)
Total employees (full-time equivalent)809
Total assets$2,911,678
Cash and due from depository institutions$87,537
Interest-bearing balances$46,521
Federal funds sold & reverse repurchase agreements$21,117
Net loans & leases$2,041,082
Loan loss allowance $32,588
Trading account assets$929
Bank premises and fixed assets$76,591
Other real estate owned$8,575
Goodwill and other intangibles$119,846
All other assets$87,036
Life insurance assets$2,911,678
Total liabilities and capital$2,478,597
Total liabilities$2,404,284
Total deposits$2,324,233
Interest-bearing deposits$2,404,284
Deposits held in domestic offices$80
% insured (estimated)841.00%
Federal funds purchased & repurchase agreements $929
Trading liabilities$60,000
Other borrowed funds $0
Subordinated debt $12,543
All other liabilities $433,081
Total equity capital$433,081
Total bank equity capital$433,081
Perpetual preferred stock$0
Common stock$3,756
Undivided profits $51,863
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $42,027
Income earned, not collected on loans $40,690
Earning assets $0
Long-term assets (5+ years) $8,908
Average Assets, year-to-date $2,577,685
Average Assets, quarterly $613,791
Volatile liabilities $2,920,432
Insider loans $2,931,177
FHLB advances $2,118,356
Loans and leases held for sale $2,816,324
Unused loan commitments $41,112
Tier 1 (core) risk-based capital $39,734
Tier 2 risk-based capital $305,762
Total risk weighted assets $1,378
Total unused commitments $0
Restructured Loans and leases $483,530
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $120,860
Total interest expense $23,306
Net interest income $97,554
Provision for loan and lease losses $12,700
Total noninterest income $30,838
Fiduciary activities $3,386
Service charges on deposit accounts $9,534
Trading account gains & fees $0
Additional noninterest income $17,918
Total noninterest expense $93,525
Salaries and employee benefits $48,958
Premises and equipment expense $12,781
Additional noninterest expense $31,786
Pre-tax net operating income $22,167
Securities gains (losses) $508
Applicable income taxes $5,393
Income before extraordinary items $17,282
Extraordinary gains - net $0
Net income attributable to bank $17,282
Net charge-offs $0
Cash dividends $17,282
Sale, conversion, retirement of capital stock, net $17,761
Net operating income $27,500
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.67%
Cost of funding earning assets 0.90%
Net interest margin 3.77%
Noninterest income to earning assets 1.19%
Noninterest expense to earning assets 3.61%
Net operating income to assets 0.58%
Return on assets (ROA) 0.59%
Pretax return on assets 0.78%
Return on equity (ROE) 3.92%
Retained earnings to average equity (YTD only) -2.32%
Net charge-offs to loans 0.85%
Credit loss provision to net charge-offs 71.50%
Efficiency ratio1.96%
Assets per employee$71,249
Cash dividends to net income (YTD only)3.60%
Condition Ratios (%)
Loss allowance to loans 159.13%
Loss allowance to noncurrent loans 1.57%
Noncurrent assets plus other real estate owned to assets 80.09%
Noncurrent loans to loans 1.69%
Net loans and leases to deposits1.96%
Net loans and leases to core deposits 84.89%
Equity capital to assets 86.91%
Core capital (leverage) ratio 14.87%
Tier 1 risk-based capital ratio 10.86%
Total risk-based capital ratio 14.43%
Average assets$16
Average earning assets$2,920,432
Average equity $440,346
Average loans $2,587,859
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$412,749
Number of Accounts1
Personal trust and agency accounts$368,490
Employee benefit-defined contribution accounts$164,556
Employee benefit-defined benefit accounts$6,814
Other retirement accounts$3,702
Corporate trust and agency accounts$49,606
Investment management agency accounts$0
Other fiduciary accounts$128,615
Fiduciary accounts held in foreign offices$15,197
Non-managed Assets$0
Number of Accounts740
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$48,915
Employee benefit-defined benefit accounts$0
Other retirement accounts$44,259
Corporate trust and agency accounts$6,615
Other fiduciary accounts$32,549
Fiduciary accounts held in foreign offices$858
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58 Virginia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
04594Stellarone Bank105 Arbor Drive, Christiansburg, VA 24073August 02, 1900Full Service Brick and Mortar
1212314Culpeper North Branch717 James Madison Highway, Culpeper, VA 22701November 23, 1964Full Service Brick and Mortar
2212315Culpeper South Branch231 Southgate Shopping Center, Culpeper, VA 22701October 12, 1971Full Service Brick and Mortar
3212316Madison Branch1174 N Main Street, Madison, VA 22727May 07, 1979Full Service Brick and Mortar
4212317Locust Grove Branch36081 Goodwin Drive, Locust Grove, VA 22508December 18, 1995Full Service Brick and Mortar
5212318Harrisonburg Branch1920-E Medical Avenue, Harrisonburg, VA 22801January 02, 1998Limited Service Loan Production
7212320Orange Branch134 W Main St, Orange, VA 22960April 05, 1999Full Service Brick and Mortar
84224181807 Seminole Trail Branch1807 Seminole Trail, Charlottesville, VA 22901Febuary 18, 2003Limited Service Loan Production
11453595North Town Center2021 Seminole Trail, Charlottesville, VA 22901June 19, 2006Full Service Brick and Mortar
1239425Lassen Lane Branch4805 Lassen Lane, Fredericksburg, VA 22401June 27, 1988Full Service Brick and Mortar
13261502Charles Street Branch1016 Charles Street, Fredericksburg, VA 22401September 03, 1996Full Service Brick and Mortar
14261503Chancellor Branch5996 Plank Road, Fredericksburg, VA 22407July 07, 1997Full Service Brick and Mortar
15362063Stafford Branch25 Banks Ford Road, Fredericksburg, VA 22406January 18, 2001Full Service Brick and Mortar
17285570Ladysmith Branch18121 Jefferson Davis Highway, Ruther Glen, VA 22546July 15, 1996Full Service Brick and Mortar
19468961Culpeper Main Branch102 South Main Street, Culpeper, VA 22701October 22, 2007Full Service Brick and Mortar
20470018Richmond Lpo Branch3900 Westerre Parkway, Richmond, VA 23233November 29, 2007Limited Service Loan Production
2114357Staunton Main Branch24 South Augusta Street, Staunton, VA 24401September 01, 1972Full Service Brick and Mortar
22251685Waynesboro Branch251 North Poplar Avenue, Waynesboro, VA 22980May 23, 1977Full Service Brick and Mortar
25208806West Beverley Street Branch2307 West Beverley Street, Staunton, VA 24401September 06, 1968Full Service Brick and Mortar
28251686Stuarts Draft Branch2600 Stuarts Draft Hwy, Stuarts Draft, VA 24477May 17, 1982Full Service Brick and Mortar
2915090Verona Branch374 Lee Hwy, Verona, VA 24482October 01, 1974Full Service Brick and Mortar
30251687Greenville Avenue Branch115 Lee Jackson Highway, Staunton, VA 24401May 08, 1989Full Service Brick and Mortar
31212389Grottoes Branch106 Sixth Street, Grottoes, VA 24441November 01, 1933Full Service Brick and Mortar
32251688Rosser Avenue Branch100 Lucy Lane, Waynesboro, VA 22980April 23, 1999Full Service Brick and Mortar
34251690Lexington Branch1197 Lee Highway, Lexington, VA 24450September 23, 1999Full Service Brick and Mortar
36249925Buena Vista Branch2101 Forest Avenue, Buena Vista, VA 24416January 12, 1987Full Service Brick and Mortar
37430612Parkway Lane Branch12 Parkway Lane, Fishersville, VA 22939October 14, 2003Full Service Brick and Mortar
38431499Covington Branch450 W Main St., Covington, VA 24426September 26, 2003Full Service Brick and Mortar
39431501Rocky Mount Branch369 Franklin St., Rocky Mount, VA 24151September 26, 2003Full Service Brick and Mortar
43212319University Boulevard Branch390 University Boulevard, Harrisonburg, VA 22801December 07, 1998Full Service Brick and Mortar
45457808South High Street Branch1391 South High Street, Harrisonburg, VA 22801December 13, 2006Full Service Brick and Mortar
46467625Langhorne Road Branch2102 Langhorne Road, Lynchburg, VA 24501July 31, 2006Full Service Brick and Mortar
48212300Riner Branch4055 Riner Road, Riner, VA 24149June 02, 1969Full Service Brick and Mortar
49212301Roanoke Street Branch1675 Roanoke Street Se, Christiansburg, VA 24073Febuary 26, 1971Full Service Brick and Mortar
50212302Blacksburg North Branch601 North Main Street, Blacksburg, VA 24060May 25, 1977Full Service Brick and Mortar
51212303Radford Branch50 West Main Street, Radford, VA 24141August 12, 1988Full Service Brick and Mortar
52212306Corporate Research Center At Vt Bran2280 Kraft Drive, Suite 1000, Blacksburg, VA 24060November 21, 1994Full Service Brick and Mortar
53212307Shawsville Branch250 Alleghany Spring Road, Shawsville, VA 24162July 05, 1996Full Service Brick and Mortar
54212308Dublin Branch2 Town Center Drive, Dublin, VA 24084November 29, 1996Full Service Brick and Mortar
55212309Christiansburg Branch50 North Franklin Street, Christiansburg, VA 24073Febuary 18, 1997Full Service Brick and Mortar
57360889Wytheville North Branch900 North 4th Street, Wytheville, VA 24382January 05, 2001Full Service Brick and Mortar
58212896Pearisburg Branch605 Wenonah Avenue, Pearisburg, VA 24134July 19, 1965Full Service Brick and Mortar
59212908Wytheville Main Branch320 West Main Street, Wytheville, VA 24382November 15, 1962Full Service Brick and Mortar
6015818Salem Main Branch220 East Main Street, Salem, VA 24153June 12, 1978Full Service Brick and Mortar
62255102Salem West Branch1251 West Main Street, Salem, VA 24153May 07, 1984Full Service Brick and Mortar
63255103Oak Grove Branch2101 Electric Road, Roanoke, VA 24018July 08, 1991Full Service Brick and Mortar
64255104Hollins Branch7337 Williamson Road, Roanoke, VA 24019June 28, 1993Full Service Brick and Mortar
65358652Brandon Oaks Branch3804 Brandon Avenue, Sw, Roanoke, VA 24018April 03, 2000Full Service Brick and Mortar
66363623Crossroads Branch1611 Hershberger Road Nw, Roanoke, VA 24012May 06, 2002Full Service Brick and Mortar
6740632Franklin Plaza Branch111 Franklin Rd Suite 100, Roanoke, VA 24011January 01, 1927Full Service Brick and Mortar
68263472Vinton Branch1006 Hardy Road, Vinton, VA 24179January 01, 1927Full Service Brick and Mortar
7042384Bedford Branch125 West Main Street, Bedford, VA 24523November 06, 1935Full Service Brick and Mortar
71275461Forest Branch14915 Forest Road, Forest, VA 24551November 06, 1935Full Service Brick and Mortar
72275462Moneta Branch14739 Moneta Road, Moneta, VA 24121June 30, 1987Full Service Brick and Mortar
76479105Floyd Branch680 E. Main Street, Floyd, VA 24091June 20, 2008Full Service Brick and Mortar
77479106Tanglewood Branch4203 Electric Rd, Roanoke, VA 24018December 03, 2007Full Service Brick and Mortar
79480325Mill Creek Branch1330 Parham Circle, Charlottesville, VA 22902May 24, 2008Full Service Brick and Mortar
80493345Plank Road Branch4109 Plank Rd, Fredericksburg, VA 22408December 01, 2008Full Service Brick and Mortar
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