Davis Trust Company

Davis Trust Company is headquartered in Elkins and is the 37^th largest bank in the state of West Virginia. It is also the 3,985^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 53 employees at 2 locations. Davis Trust Company has a 3-star health rating.

Davis Trust Company Routing Number: 051501134

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Data for Q1 2012

Institution Statistics Davis Trust Company FDIC Certificate # 2453 BankRate Report View Year Established 1901 Employees 53 Primary Regulator FDIC Assets and Liabilities Assets $143.77 million Loans $89.62 million Deposits $125.75 million Equity Capital $16.70 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $6.05 million Real Estate Owned $2.86 million Historic Data - March 2011 Assets $144.38 million Equity Capital $17.93 million Loan Loss Allowance $1.89 million Unbacked Noncurrent Loans $863,000 Real Estate Owned $2.75 million Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 0.56% Return on Equity 4.72% Interest Income $1.32 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 Davis Trust Company had $8.9 million in non-current loans and owned real-estate with $19.13 million in equity and loan loss allowances on hand to cover it. This gives Davis Trust Company a Texas Ratio of 46.53% 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 Davis Trust Company increased slightly from 18.20% as of March 31, 2011 to 46.53% as of March 31, 2012, resulting in a negative change of 155.59%. This indicates that the balance sheet and financial strength for Davis Trust Company has declined slightly in recent periods. Deposit Growth In the past year, Davis Trust Company has increased its total deposits by $426,000, resulting in 0.34% 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 Davis Trust Company 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. Davis Trust Company has $143.77 million in assets with $19.13 million in equity, resulting in a capitalization level of 13.31%, which is excellent.

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