Main Street Bank Corp.

Main Street Bank Corp. is headquartered in Wheeling and is the 25^th largest bank in the state of West Virginia. It is also the 2,594^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 42 employees at 3 locations. Main Street Bank Corp. has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Main Street Bank Corp. FDIC Certificate # 57162 BankRate Report View Year Established 2001 Employees 42 Primary Regulator FDIC Assets and Liabilities Assets $247.23 million Loans $196.67 million Deposits $210.61 million Equity Capital $21.71 million Loan Loss Allowance $2.86 million Unbacked Noncurrent Loans $9.19 million Historic Data - March 2011 Assets $228.77 million Equity Capital $19.76 million Loan Loss Allowance $2.50 million Unbacked Noncurrent Loans $3.38 million Real Estate Owned $308,000 Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 0.92% Return on Equity 10.56% Interest Income $2.86 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 Main Street Bank Corp. had $9.19 million in non-current loans and owned real-estate with $24.58 million in equity and loan loss allowances on hand to cover it. This gives Main Street Bank Corp. a Texas Ratio of 37.39% 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 Main Street Bank Corp. increased slightly from 16.57% as of March 31, 2011 to 37.39% as of March 31, 2012, resulting in a negative change of 125.68%. This indicates that the balance sheet and financial strength for Main Street Bank Corp. has declined slightly in recent periods. Deposit Growth In the past year, Main Street Bank Corp. has increased its total deposits by $14.07 million, resulting in 7.16% 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 Main Street Bank Corp. 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. Main Street Bank Corp. has $247.22 million in assets with $24.58 million in equity, resulting in a capitalization level of 9.94%, which is average.

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