MCNB Bank and Trust Co.

MCNB Bank and Trust Co. is headquartered in Welch and is the 13^st largest bank in the state of West Virginia. It is also the 2,000^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 85 employees at 7 locations. MCNB Bank and Trust Co. has a 3-star health rating.

Data for Q1 2012

Institution Statistics MCNB Bank and Trust Co. FDIC Certificate # 6803 BankRate Report View Year Established 1900 Employees 85 Primary Regulator FDIC Assets and Liabilities Assets $325.75 million Loans $204.45 million Deposits $289.48 million Equity Capital $28.09 million Loan Loss Allowance $2.90 million Unbacked Noncurrent Loans $2.78 million Real Estate Owned $3.31 million Historic Data - March 2011 Assets $332.55 million Equity Capital $25.41 million Loan Loss Allowance $2.87 million Unbacked Noncurrent Loans $567,000 Real Estate Owned $1.51 million Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets 0.54% Return on Equity 6.21% Interest Income $3.51 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 MCNB Bank and Trust Co. had $6.09 million in non-current loans and owned real-estate with $30.99 million in equity and loan loss allowances on hand to cover it. This gives MCNB Bank and Trust Co. a Texas Ratio of 19.66% 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 MCNB Bank and Trust Co. increased slightly from 7.33% as of March 31, 2011 to 19.66% as of March 31, 2012, resulting in a negative change of 168.29%. This indicates that the balance sheet and financial strength for MCNB Bank and Trust Co. has declined slightly in recent periods. Deposit Growth In the past year, MCNB Bank and Trust Co. has decreased its total deposits by -$9.55 million, resulting in -3.19% 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 MCNB Bank and Trust Co. has shown is below 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. MCNB Bank and Trust Co. has $325.75 million in assets with $30.99 million in equity, resulting in a capitalization level of 9.51%, which is average.

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