Boone County Bank, Inc.

Boone County Bank, Inc. is headquartered in Huntington and is the 6^th largest bank in the state of West Virginia. It is also the 886^th largest bank in the nation. It was established in 1998 and as of December of 2011, it had grown to 228 employees at 23 locations. Boone County Bank, Inc. has a 3-star health rating.

Data for Q4 2011

Institution Statistics Premier Bank, Inc. FDIC Certificate # 34837 BankRate Report View Year Established 1998 Employees 228 Primary Regulator FDIC Assets and Liabilities Assets $750.09 million Loans $454.89 million Deposits $622.09 million Equity Capital $107.32 million Loan Loss Allowance $6.83 million Unbacked Noncurrent Loans $36.98 million Real Estate Owned $13.49 million Historic Data - December 2010 Assets $171.72 million Equity Capital $25.10 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $1.80 million Real Estate Owned $1.12 million Profit Margin - Quarterly Net Interest Margin 4.37% Return on Assets 0.7% Return on Equity 5.21% Interest Income $35.93 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Boone County Bank, Inc. had $50.47 million in non-current loans and owned real-estate with $114.15 million in equity and loan loss allowances on hand to cover it. This gives Boone County Bank, Inc. a Texas Ratio of 44.21% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Boone County Bank, Inc. increased slightly from 2.42% as of December 31, 2010 to 44.21% as of December 31, 2011, resulting in a negative change of 1,727.66%. This indicates that the balance sheet and financial strength for Boone County Bank, Inc. has declined slightly in recent periods. Deposit Growth In the past year, Boone County Bank, Inc. has increased its total deposits by $478.23 million, resulting in 332.42% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Boone County Bank, Inc. has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Boone County Bank, Inc. has $750.09 million in assets with $114.15 million in equity, resulting in a capitalization level of 15.22%, which is excellent.

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