# COLONIAL VIRGINIA BANK
GLOUCESTER, VA · FDIC certificate 57630 · asset band <$300M · latest filing 2014-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $115.1M | |
| Deposits | $100.9M | |
| Loans and leases | $73.1M | |
| Total equity | $12.2M | |
| Loans / deposits | 71.06% (p52 of band) | 70.22% |
| Liquid assets / assets | 26.13% (p31 of band) | |
| Uninsured deposits / deposits | 22.38% (p83 of band) | 12.36% |
| Brokered deposits | 7.37% | |
| Wholesale funding | 7.37% (p77 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.21% (p47 of band) | 10.41% |
| Unrealized securities loss / equity | 0.36% (p53 of band) | 0.24% |
| AOCI / equity | 1.14% (p46 of band) | |
| ROA (annualized) | -0.19% (p7 of band) | 0.79% |
| Net interest margin | 4.70% (p93 of band) | 3.62% |
| Efficiency ratio | 100.04% (p92 of band) | |
| Noncurrent loans | 4.08% (p91 of band) | 0.88% |
| Net charge-offs (annualized) | 0.41% (p92 of band) | |
| Reserve coverage of noncurrent | 46.87% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 95.98% (p95 of band) | |
| Auto loans | $583,000 (0.80% of loans; DQ 1.37%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.4% | |
| Employees | 25 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 2 | reserve under noncurrent |  |
| 2011-09 | 1 | capital falling | construction >100% equity, reserve under noncurrent |
| 2011-12 | 2 | losing money |  |
| 2012-03 | 4 | expense ratio p90, reserve under noncurrent |  |
| 2012-06 | 1 |  | capital falling, losing money, expense ratio p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 3 | deposits shrinking, assets shrinking |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 4 | charge-offs p90 |  |
| 2013-09 | 2 |  | deposits shrinking, assets shrinking |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | noncurrent p90, construction >100% equity | charge-offs p90 |
| 2014-06 | 6 | capital falling, losing money, expense ratio p90, charge-offs p90 | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2011-09-15 [Virginia, Eastern - Department of Justice (.gov)](https://news.google.com/rss/articles/CBMihwFBVV95cUxPMzY3dGpVcTM1WTM4VnJpNXdSVjdHQlZiTnpZZVJBWGZ0U2dtSURmaWtjbVh5QTdBZkZzV3BGbFI0aXdUYlc2c3NMVUFEYmJhbzU0cTFsMjFMUnpqVW1RcVI2RUJxOG5LMlhhVFZEZWdrdFdicE5DVzA5Q3V0Q0tTUlFkSjFIa2s?oc=5) · Department of Justice (.gov)
- 2024-05-16 [Jennifer Adams Obituary - Gloucester Point, VA - Daily Press](https://news.google.com/rss/articles/CBMigAFBVV95cUxOcE1fYVplMGxRbU1ZdG5Ia0hxYlhjZ3lTbHdJSC1QY29qZTVsZWU3aTg1WjdPc21yamtmNDBrSEZxeUxOWl8tbGJQR2xJTmVRZGJJRjZFa21MMmF5U0FRbmRXNDhHcm5XREhWTlVlR3dKMmlzQkdJM2FPLTZidmp6OA?oc=5) · Daily Press
- 2017-05-16 [Walter Hurley Obituary May 16, 2017 - Faulkner Funeral Homes & Cremation Services](https://news.google.com/rss/articles/CBMia0FVX3lxTE9UODJoejRESnBESFdlcGUzZmdmTmI4b1VKanVMblVtTUR6VVhBNjVuc3d4ejNWbWZLNEllelplX1gzcVc1OHY3ZU9qUEduRG91eFNVSmowMlotT0lDMXpwVVAtaE1mVnlUTGFv?oc=5) · Faulkner Funeral Homes &amp; Cremation Services
- 2024-02-07 [Goodman’s Interiors & Antiques to open Point location - Gloucester Mathews Gazette Journal](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPa0pBeDZBMkNBcGItakIzOExJcmNBUTN2RmJzZGtlLXZUUmNMd1VTSzdyRkxuVlE0d3g3RVhwbjhQVTk1aWlnUDZoWnpKNXBiWnhXYWFEYlBJVTBOUWpZRHE1YXJoYjk5SnZieEJIbG05YlhmOENEcmkzN1ltS2JNcFNPUW5qMFp5?oc=5) · Gloucester Mathews Gazette Journal
- 2021-05-31 [Walter Hurley Obituary (2006) - Richmond, VA - Richmond Times-Dispatch - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxQcUtVaGQxTlR5LW9TbW5IclN0RENZWHlNVFVteEtxUDBrRlFkSU5EdFU5T2wzal9CMDZzbGNwVG5waXRSOGExdGVJUUJKY3ZldWRVQVExQmNxeVBWWFNjaERzY0N0VzBRQno3TkdnQ1phTmlYc1dxTU5tbjFYMUhoWURwdXdfNVRQMXRXbUpxaXZ2RVU?oc=5) · legacy.com
- 2024-05-29 [Walter Hurley Obituary - Urbanna, VA - Daily Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE94aWxQT09fWlZ1QWVzRlM0bFdhZDh3TjdDMHRrVWFkSUtOSm9KaG41TEZ2STlsZWFsTVJPbzlpRmxOc0FNNVJMRmZJaDJDc0J1d0pkaVF5c2dmRHMzVWRNVlhFdG1LdTYxcVQ2MWJVc2FSLUc1cENB?oc=5) · Daily Press
- 2021-10-31 [William EZZELL Obituary (2011) - Hampton, VA - Daily Press - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOYUpvMklxYzRzVXlIcWU2Y2otREFhb0xqandhSDZSdkg5cXZiVzJBc1FjRVNtdDBteTZXOEpFOFBuaDJFTWczT3pXazkybXlZTldnLWR6VWUwRHp1ZldVczhYZnRveVhtUThSMXpSZTVqbUJuSXQzNkZJU3FhZHJSX0kxenpNOU05WU1zUjVZZjhjQQ?oc=5) · legacy.com
- 2009-06-25 [Jay Waravdekar Obituary (2009) - Frederick, MD - The Frederick News-Post - legacy.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxQVEpvNVBwdmlicDRndzVvMGNtYmxWQjVoNld1WGRiUWVESTJnMDBOTU5xR19TYzBhVXhvWnBfM042al9GdGw1dzZ6dTZ6MVhhUk9Bc3lBOUpTcy1PdVIxLS1YLXFCVHJraWEwZnpVTGVpeHpPbWRYd1htQzdCYnRSVkNNMkVRUWUwQXFvZVJFbGVkdGtQbTZiNzBlcw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57630 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "57630", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide