Mountain Valley Bank, N.A.

Mountain Valley Bank, N.A. is headquartered in Elkins and is the 43^rd largest bank in the state of West Virginia. It is also the 4,415^st largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 42 employees at 4 locations. Mountain Valley Bank, N.A. has a 5-star health rating.

Mountain Valley Bank, N.A. Routing Number: 051501671

Data for Q1 2012

Institution Statistics Mountain Valley Bank, N.A. FDIC Certificate # 6786 BankRate Report View Year Established 1909 Employees 42 Primary Regulator OCC Assets and Liabilities Assets $122.04 million Loans $78.76 million Deposits $103.72 million Equity Capital $15.25 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $296,000 Historic Data - March 2011 Assets $115.24 million Equity Capital $14.95 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $860,000 Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 0.7% Return on Equity 5.54% Interest Income $1.33 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 Mountain Valley Bank, N.A. had $296,000 in non-current loans and owned real-estate with $16.43 million in equity and loan loss allowances on hand to cover it. This gives Mountain Valley Bank, N.A. a Texas Ratio of 1.80% 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 Mountain Valley Bank, N.A. decreased significantly from 5.35% as of March 31, 2011 to 1.80% as of March 31, 2012, resulting in a positive change of 66.36%.This indicates that the balance sheet and financial strength for Mountain Valley Bank, N.A. has improved significantly in recent periods. Deposit Growth In the past year, Mountain Valley Bank, N.A. has increased its total deposits by $5.79 million, resulting in 5.92% 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 Mountain Valley Bank, N.A. 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. Mountain Valley Bank, N.A. has $122.04 million in assets with $16.43 million in equity, resulting in a capitalization level of 13.46%, which is excellent.

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