StellarOne Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

StellarOne Banks is one of the largest independent, commercial banks headquartered in Virginia. When two respected and dedicated banking organizations join together, the result is a financial resource that embodies the best of both worlds - high-touch, hometown service and technology-forward convenience.

With assets over $3 billion, as well as management of trust and wealth service assets of nearly $1 billion, StellarOne has the strength and capacity to support the growth and success of individuals and companies through Virginia. The primary focus of StellarOne's leadership team is to bring a new level of excellence, partnership and service to the people it serves.

StellarOne offers over 50 bank locations and a suite of 24 hour banking services including Online Banking, Telephone Banking, Mobile Banking and an extensive network of StellarOne ATMs.