Clay County Bank, Inc.

Clay County Bank, Inc. is headquartered in Clay and is the 54^th largest bank in the state of West Virginia. It is also the 5,505^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 24 employees at 2 locations. Clay County Bank, Inc. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Clay County Bank, Inc. FDIC Certificate # 2444 BankRate Report View Year Established 1902 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $79.26 million Loans $46.54 million Deposits $68.34 million Equity Capital $10.34 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $394,000 Historic Data - March 2011 Assets $74.32 million Equity Capital $9.53 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $523,000 Profit Margin - Quarterly Net Interest Margin 4.06% Return on Assets 1.1% Return on Equity 8.4% Interest Income $970,000

Institution Health Overall Score: 5 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 Clay County Bank, Inc. had $394,000 in non-current loans and owned real-estate with $11.37 million in equity and loan loss allowances on hand to cover it. This gives Clay County Bank, Inc. a Texas Ratio of 3.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Clay County Bank, Inc. decreased slightly from 4.96% as of March 31, 2011 to 3.47% as of March 31, 2012, resulting in a positive change of 30.15%.This indicates that the balance sheet and financial strength for Clay County Bank, Inc. has improved slightly in recent periods. Deposit Growth In the past year, Clay County Bank, Inc. has increased its total deposits by $4.07 million, resulting in 6.33% 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 Clay 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. Clay County Bank, Inc. has $79.26 million in assets with $11.37 million in equity, resulting in a capitalization level of 14.34%, which is excellent.

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