Clear Mountain Bank

Clear Mountain Bank is headquartered in Bruceton Mills and is the 11^st largest bank in the state of West Virginia. It is also the 1,508^th largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 130 employees at 11 locations. Clear Mountain Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Clear Mountain Bank FDIC Certificate # 2443 BankRate Report View Year Established 1931 Employees 130 Primary Regulator FED Assets and Liabilities Assets $444.68 million Loans $325.49 million Deposits $394.42 million Equity Capital $41.72 million Loan Loss Allowance $4.75 million Unbacked Noncurrent Loans $3.61 million Real Estate Owned $991,000 Historic Data - March 2011 Assets $406.82 million Equity Capital $37.71 million Loan Loss Allowance $4.00 million Unbacked Noncurrent Loans $3.93 million Real Estate Owned $576,000 Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 1.11% Return on Equity 11.73% Interest Income $5.21 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 March 31, 2012 Clear Mountain Bank had $4.6 million in non-current loans and owned real-estate with $46.47 million in equity and loan loss allowances on hand to cover it. This gives Clear Mountain Bank a Texas Ratio of 9.90% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Clear Mountain Bank held steady from 10.80% as of March 31, 2011 to 9.90% as of March 31, 2012, resulting in a positive change of 8.35%.This indicates that the balance sheet and financial strength for Clear Mountain Bank has held steady in recent periods. Deposit Growth In the past year, Clear Mountain Bank has increased its total deposits by $31.89 million, resulting in 8.8% 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 Clear Mountain Bank 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. Clear Mountain Bank has $444.68 million in assets with $46.47 million in equity, resulting in a capitalization level of 10.45%, which is above average.

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