Calhoun County Bank, Inc.

Calhoun County Bank, Inc. is headquartered in Grantsville and is the 46^th largest bank in the state of West Virginia. It is also the 4,529^th largest bank in the nation. It was established in 1900 and as of December of 2011, it had grown to 55 employees at 4 locations. Calhoun County Bank, Inc. has a 4-star health rating.

Data for Q4 2011

Institution Statistics Calhoun County Bank, Inc. FDIC Certificate # 9024 BankRate Report View Year Established 1900 Employees 55 Primary Regulator FDIC Assets and Liabilities Assets $116.36 million Loans $89.45 million Deposits $104.47 million Equity Capital $10.54 million Loan Loss Allowance $978,000 Unbacked Noncurrent Loans $1.48 million Real Estate Owned $736,000 Historic Data - December 2010 Assets $113.15 million Equity Capital $10.14 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $1.96 million Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 4.88% Return on Assets 0.69% Return on Equity 7.64% Interest Income $6.28 million

Institution Health Overall Score: 4 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 Calhoun County Bank, Inc. had $2.22 million in non-current loans and owned real-estate with $11.51 million in equity and loan loss allowances on hand to cover it. This gives Calhoun County Bank, Inc. a Texas Ratio of 19.24% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Calhoun County Bank, Inc. decreased slightly from 26.39% as of December 31, 2010 to 19.24% as of December 31, 2011, resulting in a positive change of 27.10%.This indicates that the balance sheet and financial strength for Calhoun County Bank, Inc. has improved slightly in recent periods. Deposit Growth In the past year, Calhoun County Bank, Inc. has increased its total deposits by $4.44 million, resulting in 4.44% 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 Calhoun County Bank, Inc. has shown is above average. 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. Calhoun County Bank, Inc. has $116.36 million in assets with $11.51 million in equity, resulting in a capitalization level of 9.89%, which is average.

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