Pendleton Community Bank

Pendleton Community Bank is headquartered in Franklin and is the 21^st largest bank in the state of West Virginia. It is also the 2,435^th largest bank in the nation. It was established in 1925 and as of September of 2011, it had grown to 78 employees at 5 locations. Pendleton Community Bank has a 3-star health rating.

Pendleton Community Bank Routing Number: 051504704

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Data for Q3 2011

Institution Statistics Pendleton Community Bank, Inc. FDIC Certificate # 6176 BankRate Report View Year Established 1925 Employees 78 Primary Regulator FDIC Assets and Liabilities Assets $260.64 million Loans $191.79 million Deposits $224.04 million Equity Capital $30.09 million Loan Loss Allowance $4.15 million Unbacked Noncurrent Loans $9.17 million Real Estate Owned $1.30 million Historic Data - September 2010 Assets $253.71 million Equity Capital $29.11 million Loan Loss Allowance $2.23 million Unbacked Noncurrent Loans $5.60 million Real Estate Owned $1.01 million Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 0.89% Return on Equity 7.82% Interest Income $9.59 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 September 30, 2011 Pendleton Community Bank had $10.47 million in non-current loans and owned real-estate with $34.23 million in equity and loan loss allowances on hand to cover it. This gives Pendleton Community Bank a Texas Ratio of 30.58% 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 Pendleton Community Bank increased slightly from 21.08% as of September 30, 2010 to 30.58% as of September 30, 2011, resulting in a negative change of 45.09%. This indicates that the balance sheet and financial strength for Pendleton Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Pendleton Community Bank has increased its total deposits by $6.05 million, resulting in 2.78% 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 Pendleton Community Bank has shown is above 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. Pendleton Community Bank has $260.64 million in assets with $34.23 million in equity, resulting in a capitalization level of 13.13%, which is excellent.

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