FNB Bank, Inc. (WV)

FNB Bank, Inc. (WV) is headquartered in Romney and is the 36^th largest bank in the state of West Virginia. It is also the 3,834^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 47 employees at 4 locations. FNB Bank, Inc. (WV) has a 4-star health rating.

Data for Q1 2012

Institution Statistics FNB Bank, Inc. FDIC Certificate # 6794 BankRate Report View Year Established 1910 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $152.35 million Loans $77.59 million Deposits $134.11 million Equity Capital $16.19 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $2.51 million Real Estate Owned $1.46 million Historic Data - March 2011 Assets $152.47 million Equity Capital $15.81 million Loan Loss Allowance $850,000 Unbacked Noncurrent Loans $2.83 million Real Estate Owned $2.98 million Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets -0.9% Return on Equity -8.38% Interest Income $1.74 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 FNB Bank, Inc. (WV) had $3.97 million in non-current loans and owned real-estate with $18 million in equity and loan loss allowances on hand to cover it. This gives FNB Bank, Inc. (WV) a Texas Ratio of 22.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for FNB Bank, Inc. (WV) decreased slightly from 34.89% as of March 31, 2011 to 22.06% as of March 31, 2012, resulting in a positive change of 36.77%.This indicates that the balance sheet and financial strength for FNB Bank, Inc. (WV) has improved slightly in recent periods. Deposit Growth In the past year, FNB Bank, Inc. (WV) has decreased its total deposits by $-446,000, resulting in -0.33% 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 FNB Bank, Inc. (WV) 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. FNB Bank, Inc. (WV) has $152.35 million in assets with $18 million in equity, resulting in a capitalization level of 11.81%, which is above average.

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