The Fauquier Bank in Warrenton, Virginia (VA)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Fauquier Bank - Overview

  • General
  • FDIC Certificate #: 6923
    Status: Active
    Federal Reserve ID: 976226
    Bank Holding Company (Regulatory Top Holder): Fauquier Bankshares, Inc. (RSSDID: 1076600, Location: Warrenton, VA)
    Date Established: Febuary 14, 1902
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 10 (Domestic: 10, Interstate: No)
    OTS Docket #: 11584
    FDIC's unique #: 4652
    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: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 10 Court House Square, Warrenton, VA 20186
    County: Fauquier
    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
    Metropolitan Statistical Area (MSA): Washington, DC-MD-VA-WV (#8840)
    Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
    Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    Core Based Statistical Division: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47894)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $612.9 mil
    Equity capital: $50.1 mil
    Deposits held in domestic offices: $530.9 mil
    Return on assets (ROA): 0.75% ($4.6 mil)
    Quarterly return on assets: 0.64% ($3.9 mil)
    Return on Equity (ROE): 9.25% ($4.6 mil)
    Quarterly return on equity: 7.73% ($3.9 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.0 mil
    Pretax return on assets: 1.03% ($6,313.0 mil)
    Quarterly Pretax return on assets: 0.88% ($5,393.6 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
  • 156Total employees (full-time equivalent)
  • $612,914Total assets
  • $70,702Cash and due from depository institutions
  • $62,839Interest-bearing balances
  • $47,649Securities
  • $8Federal funds sold & reverse repurchase agreements
  • $452,111Net loans & leases
  • $6,728Loan loss allowance
  • $0Trading account assets
  • $14,789Bank premises and fixed assets
  • $1,776Other real estate owned
  • $0Goodwill and other intangibles
  • $612,914Life insurance assets
  • $25,879All other assets
  • $562,796Total liabilities and capital
  • $530,924Total liabilities
  • $455,291Total deposits
  • $530,924Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $25,000Trading liabilities
  • $0Other borrowed funds
  • $6,872Subordinated debt
  • $50,118All other liabilities
  • $50,118Total equity capital
  • $50,118Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $1,300Surplus
  • $46,818Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $4,722Income earned, not collected on loans
  • $0Earning assets
  • $1,530Long-term assets (5+ years)
  • $562,607Average Assets, year-to-date
  • $205,426Average Assets, quarterly
  • $601,007Volatile liabilities
  • $608,116Insider loans
  • $438,917FHLB advances
  • $606,661Loans and leases held for sale
  • $11,621Unused loan commitments
  • $11,621Tier 1 (core) risk-based capital
  • $51,138Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $70,737Restructured Loans and leases
  • $3,969Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $27,138Total interest income
  • $4,876Total interest expense
  • $22,262Net interest income
  • $1,933Provision for loan and lease losses
  • $5,917Total noninterest income
  • $1,243Fiduciary activities
  • $3,087Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,587Additional noninterest income
  • $19,984Total noninterest expense
  • $10,545Salaries and employee benefits
  • $2,716Premises and equipment expense
  • $6,723Additional noninterest expense
  • $6,262Pre-tax net operating income
  • -$87Securities gains (losses)
  • $1,647Applicable income taxes
  • $4,528Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,528Net income attributable to bank
  • $0Net charge-offs
  • $4,528Cash dividends
  • $1,512Sale, conversion, retirement of capital stock, net
  • $2,761Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.93%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 4.04%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 3.63%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.75%Return on assets (ROA)
  • 1.03%Pretax return on assets
  • 9.25%Return on equity (ROE)
  • 3.61%Retained earnings to average equity (YTD only)
  • 0.33%Net charge-offs to loans
  • 127.84%Credit loss provision to net charge-offs
  • 5.42%Efficiency ratio
  • 70,918Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 60.98%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 142.48%Noncurrent assets plus other real estate owned to assets
  • 1.11%Noncurrent loans to loans
  • 1.03%Net loans and leases to deposits
  • 85.16%Net loans and leases to core deposits
  • 96.25%Equity capital to assets
  • 8.18%Core capital (leverage) ratio
  • 8.43%Tier 1 risk-based capital ratio
  • 11.65%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $601,007Average earning assets
  • $48,975Average equity
  • $550,637Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $193,209Managed Assets
  • 1Number of Accounts
  • $190,303Personal trust and agency accounts
  • $50,052Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $18,816Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $108,554Other fiduciary accounts
  • $12,881Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 307Number of Accounts
  • $0Personal trust and agency accounts
  • $17,246Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $2,906Other retirement accounts
  • $5Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 10 Virginia Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04652The Fauquier Bank10 Court House Square, Warrenton, VA 20186Febuary 14, 1902Full Service Brick and Mortar
    1212994The Plains Branch6464 Main St, The Plains, VA 20198September 01, 1926Full Service Brick and Mortar
    2212995View Tree Branch87 West Lee Highway, Warrenton, VA 20186October 18, 1960Full Service Brick and Mortar
    3212996Catlett Branch3543 Catlett Rd, Catlett, VA 20119November 18, 1971Full Service Brick and Mortar
    4212997New Baltimore Branch5119 Lee Hwy, Warrenton, VA 20187June 19, 1973Full Service Brick and Mortar
    5212998Manassas Branch8091 Sudley Road, Manassas, VA 20109May 21, 1999Full Service Brick and Mortar
    6365318Old Town Manassas Branch9071 Center Street, Manassas, VA 20110August 13, 2001Full Service Brick and Mortar
    7430098Bealeton Branch6207 Station Drive, Bealeton, VA 22712May 18, 2004Full Service Brick and Mortar
    8510585Haymarket Branch15240 Washington Street, Haymarket, VA 20169December 07, 2009Full Service Brick and Mortar
    9510586Bristow Branch10260 Bristow's Center Drive, Bristow, VA 20136July 13, 2009Full Service Brick and Mortar

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