Citizens Bank of West Virginia, Inc.

Citizens Bank of West Virginia, Inc. is headquartered in Elkins and is the 28^th largest bank in the state of West Virginia. It is also the 3,023^rd largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 64 employees at 5 locations. Citizens Bank of West Virginia, Inc. has a 3-star health rating.

Citizens Bank of West Virginia, Inc. Routing Number: 051501150

Data for Q1 2012

Institution Statistics Citizens Bank of West Virginia, Inc. FDIC Certificate # 6760 BankRate Report View Year Established 1924 Employees 64 Primary Regulator FDIC Assets and Liabilities Assets $208.07 million Loans $134.81 million Deposits $163.33 million Equity Capital $18.42 million Loan Loss Allowance $4.14 million Unbacked Noncurrent Loans $10.35 million Real Estate Owned $4.24 million Historic Data - March 2011 Assets $240.14 million Equity Capital $21.86 million Loan Loss Allowance $3.63 million Unbacked Noncurrent Loans $16.61 million Real Estate Owned $2.82 million Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 0.86% Return on Equity 10.05% Interest Income $2.33 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 March 31, 2012 Citizens Bank of West Virginia, Inc. had $14.58 million in non-current loans and owned real-estate with $22.56 million in equity and loan loss allowances on hand to cover it. This gives Citizens Bank of West Virginia, Inc. a Texas Ratio of 64.66% 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 Citizens Bank of West Virginia, Inc. decreased slightly from 76.24% as of March 31, 2011 to 64.66% as of March 31, 2012, resulting in a positive change of 15.18%.This indicates that the balance sheet and financial strength for Citizens Bank of West Virginia, Inc. has improved slightly in recent periods. Deposit Growth In the past year, Citizens Bank of West Virginia, Inc. has decreased its total deposits by -$17.16 million, resulting in -9.51% 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 Citizens Bank of West Virginia, Inc. has shown is poor. 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. Citizens Bank of West Virginia, Inc. has $208.07 million in assets with $22.56 million in equity, resulting in a capitalization level of 10.84%, which is above average.

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