Logan Bank & Trust Company

Logan Bank & Trust Company is headquartered in Logan and is the 21^st largest bank in the state of West Virginia. It is also the 2,459^th largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 66 employees at 6 locations. Logan Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Logan Bank & Trust Company FDIC Certificate # 19285 BankRate Report View Year Established 1964 Employees 66 Primary Regulator FED Assets and Liabilities Assets $261.95 million Loans $105.06 million Deposits $238.47 million Equity Capital $22.68 million Loan Loss Allowance $1.29 million Unbacked Noncurrent Loans $820,000 Real Estate Owned $301,000 Historic Data - March 2011 Assets $246.76 million Equity Capital $22.27 million Loan Loss Allowance $1.55 million Unbacked Noncurrent Loans $594,000 Real Estate Owned $720,000 Profit Margin - Quarterly Net Interest Margin 3.01% Return on Assets 0.82% Return on Equity 9.2% Interest Income $2.14 million

Institution Health Overall Score: 5 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 Logan Bank & Trust Company had $1.12 million in non-current loans and owned real-estate with $23.96 million in equity and loan loss allowances on hand to cover it. This gives Logan Bank & Trust Company a Texas Ratio of 4.68% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Logan Bank & Trust Company decreased slightly from 5.52% as of March 31, 2011 to 4.68% as of March 31, 2012, resulting in a positive change of 15.21%.This indicates that the balance sheet and financial strength for Logan Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Logan Bank & Trust Company has increased its total deposits by $14.62 million, resulting in 6.53% 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 Logan Bank & Trust Company 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. Logan Bank & Trust Company has $261.95 million in assets with $23.96 million in equity, resulting in a capitalization level of 9.15%, which is average.

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