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Profile - Virginia Commonwealth Fin (NasdaqSC:VCFC)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Msgs | Insider | Financials
Location
102 South Main Street
Culpeper, VA 22701
Phone: (540) 825-4800
Fax: (540) 829-0299
Employees (last reported count): 189
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Website
 ·Home Page

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Ownership
·Insider and 5%+ Owners: 5%
·Over the last 6 months:
 · 10 insider buys; 0  shares
·Institutional: 1% (1% of float)
(3 institutions)
·Net Inst. Selling: 3,000  shares (+20.01%)
(prior quarter to latest quarter)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Virginia Commonwealth Financial Corporation is a bank holding company that holds 100% ownership in four affiliate companies, Second Bank & Trust, Caroline Savings Bank, Virginia Heartland Bank and Virginia Commonwealth Trust Company. The Company, through its affiliates, offers a full array of banking, trust and investment services through fourteen retail offices serving the counties of Caroline, Culpeper, Madison, Orange, Rockingham, Spotsylvania, Stafford and the City of Fredericksburg. The Banks' primary business is the granting of residential real estate loans, commercial real estate loans, and, to a lesser extent, commercial business and consumer loans, funded through solicitation of deposits. The trust subsidiary provides investment management, trust, estate administration and financial planning services.
More from Market Guide: Expanded Business Description

Financial Summary
VCFC is a bank holding company for Second Bank and Trust, Virginia Heartland Bank and Virginia Commonwealth Trust. For the six months ended 6/30/01, total interest income rose 9% to $17.2 million. Net interest income after LLP rose 2% to $8.5 million. Earnings rose 5% to $2.5 million. Net interest income reflects increased earning assets, partially offset by increased deposit rates. Net income reflects an increase in fee income and a growth on refinance activity.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Taylor Gore, 62
Chairman
--  
O. Barham, Jr., 50
Pres, CEO, Director
$239K
Jeffrey Farrar, 40
CFO, Exec. VP
121K
Edward Allison, Jr., 62
Sr. VP and Sec.
145K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- NasdaqSC:VCFCAs of 31-Aug-2001
Price and Volume
52-Week Low
on 5-Sep-2000
$20.625
Recent Price$31.75 
52-Week High
on 13-June-2001
$34.00 
Beta0.12 
Daily Volume (3-month avg)1,682 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y]
52-Week Change+53.9%
52-Week Change
relative to S&P500
+106.5%
Share-Related Items
Market Capitalization$73.3M
Shares Outstanding2.31M
Float2.20M
Dividends & Splits
Annual Dividend (indicated)$1.04 
Dividend Yield3.28%
Last Splitnone 
Per-Share Data
Book Value (mrq)$22.66 
Earnings (ttm)$2.16 
Earnings (mrq)$0.56 
Sales (ttm)$14.74 
Cash (mrq)$6.29 
Valuation Ratios
Price/Book (mrq)1.40 
Price/Earnings (ttm)14.71 
Price/Sales (ttm)2.15 
Income Statements
Sales (ttm)$34.4M
EBITDAN/A 
Income available to common (ttm)$5.04M
Profitability
Profit Margin (ttm)14.6%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.09%
Return on Equity (ttm)10.03%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$14.5M
Short Interest
As of 8-Aug-2001
Shares Short0 
Shares Short
(Prior Month)
0 
Daily Volume2,000 
See Profile Help for a description of each item above;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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