Virginia Commerce Bank: Making the Difference

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Peer Analysis

Data for trailing four quarters

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Performance Ratios (%)		VCBI	Peer Median	Peer Average
	ROAA	(1.33)	0.69	0.45
	ROAE	(15.46)	6.14	3.80
	Net Interest Margin	3.28	3.48	3.81
	Efficiency Ratio	52.87	69.68	66.50
	Loans / Deposits	99.53	94.27	93.74

Asset Quality Ratios (%)
	NPAs / Assets	4.45	0.95	1.42
	NCOs / Avg Loans	2.30	0.31	0.68
	Reserves / Loans	3.15	1.35	1.64
	Reserves / NPAs	57.66	106.00	102.11

Capital Ratios (%)
	Tier 1 Capital	11.53	13.16	14.07
	Tangible Equity / Tangible Assets	7.90	10.26	9.96
	Total Equity / Total Assets	7.90	12.52	11.61

Market Ratios
	Price / Earnings (x)	NA	18.52	18.23
	Price / Book (%)	63.25	97.48	101.46
	Dividend Yield (%)	0.00	2.66	2.87

Virginia Commerce Bancorp, Inc.'s peer group consists of the following: American National Bankshares Inc. (AMNB), C&F Financial Corporation (CFFI), Cardinal Financial Corporation (CFNL), Eastern Virginia Bankshares, Inc. (EVBS), National Bankshares, Inc. (NKSH), StellarOne Corporation (STEL), TowneBank (TOWN)

Virginia Commerce Bancorp, Inc.'s financial data is as of 9/30/2009.

Peer financial data is as of 9/30/2009


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