CNB Bank, Inc.

CNB Bank, Inc. is headquartered in Berkeley Springs and is the 20^th largest bank in the state of West Virginia. It is also the 2,322^nd largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 82 employees at 6 locations. CNB Bank, Inc. has a 3-star health rating.

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Data for Q1 2012

Institution Statistics CNB Bank, Inc. FDIC Certificate # 14507 BankRate Report View Year Established 1917 Employees 82 Primary Regulator FDIC Assets and Liabilities Assets $278.57 million Loans $168.55 million Deposits $245.40 million Equity Capital $27.33 million Loan Loss Allowance $6.53 million Unbacked Noncurrent Loans $9.38 million Real Estate Owned $1.25 million Historic Data - March 2011 Assets $274.98 million Equity Capital $26.78 million Loan Loss Allowance $4.96 million Unbacked Noncurrent Loans $7.59 million Real Estate Owned $1.19 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.53% Return on Equity 5.33% Interest Income $3.06 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 CNB Bank, Inc. had $10.63 million in non-current loans and owned real-estate with $33.85 million in equity and loan loss allowances on hand to cover it. This gives CNB Bank, Inc. a Texas Ratio of 31.39% 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 CNB Bank, Inc. held steady from 27.67% as of March 31, 2011 to 31.39% as of March 31, 2012, resulting in a negative change of 13.46%. This indicates that the balance sheet and financial strength for CNB Bank, Inc. has held steady in recent periods. Deposit Growth In the past year, CNB Bank, Inc. has increased its total deposits by $2.36 million, resulting in 0.97% 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 CNB Bank, Inc. has shown is 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. CNB Bank, Inc. has $278.57 million in assets with $33.85 million in equity, resulting in a capitalization level of 12.15%, which is excellent.

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