First Neighborhood Bank

First Neighborhood Bank is headquartered in Spencer and is the 38^th largest bank in the state of West Virginia. It is also the 4,021^st largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 44 employees at 4 locations. First Neighborhood Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Neighborhood Bank FDIC Certificate # 6800 BankRate Report View Year Established 1912 Employees 44 Primary Regulator FDIC Assets and Liabilities Assets $141.60 million Loans $81.63 million Deposits $127.42 million Equity Capital $12.77 million Loan Loss Allowance $831,000 Unbacked Noncurrent Loans $354,000 Real Estate Owned $903,000 Historic Data - March 2011 Assets $140.46 million Equity Capital $12.07 million Loan Loss Allowance $898,000 Unbacked Noncurrent Loans $242,000 Real Estate Owned $1.18 million Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.48% Return on Equity 5.28% Interest Income $1.34 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 First Neighborhood Bank had $1.26 million in non-current loans and owned real-estate with $13.6 million in equity and loan loss allowances on hand to cover it. This gives First Neighborhood Bank a Texas Ratio of 9.24% 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 First Neighborhood Bank decreased slightly from 11.43% as of March 31, 2011 to 9.24% as of March 31, 2012, resulting in a positive change of 19.15%.This indicates that the balance sheet and financial strength for First Neighborhood Bank has improved slightly in recent periods. Deposit Growth In the past year, First Neighborhood Bank has increased its total deposits by $392,000, resulting in 0.31% 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 First Neighborhood Bank 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. First Neighborhood Bank has $141.6 million in assets with $13.6 million in equity, resulting in a capitalization level of 9.61%, which is average.

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