Pioneer Community Bank, Inc.

Pioneer Community Bank, Inc. is headquartered in Iaeger and is the 41^st largest bank in the state of West Virginia. It is also the 4,343^rd largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 52 employees at 6 locations. Pioneer Community Bank, Inc. has a 5-star health rating.

Pioneer Community Bank, Inc. Routing Number: 051504319

Data for Q1 2012

Institution Statistics Pioneer Community Bank, Inc. FDIC Certificate # 2448 BankRate Report View Year Established 1931 Employees 52 Primary Regulator FDIC Assets and Liabilities Assets $125.56 million Loans $91.39 million Deposits $111.72 million Equity Capital $12.22 million Loan Loss Allowance $875,000 Unbacked Noncurrent Loans $1.68 million Real Estate Owned $207,000 Historic Data - March 2011 Assets $118.94 million Equity Capital $11.15 million Loan Loss Allowance $784,000 Unbacked Noncurrent Loans $1.96 million Real Estate Owned $909,000 Profit Margin - Quarterly Net Interest Margin 5.43% Return on Assets 1% Return on Equity 10.14% Interest Income $1.54 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 Pioneer Community Bank, Inc. had $1.88 million in non-current loans and owned real-estate with $13.1 million in equity and loan loss allowances on hand to cover it. This gives Pioneer Community Bank, Inc. a Texas Ratio of 14.39% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pioneer Community Bank, Inc. decreased significantly from 24.04% as of March 31, 2011 to 14.39% as of March 31, 2012, resulting in a positive change of 40.14%.This indicates that the balance sheet and financial strength for Pioneer Community Bank, Inc. has improved significantly in recent periods. Deposit Growth In the past year, Pioneer Community Bank, Inc. has increased its total deposits by $6.41 million, resulting in 6.09% 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 Pioneer Community Bank, Inc. 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. Pioneer Community Bank, Inc. has $125.56 million in assets with $13.1 million in equity, resulting in a capitalization level of 10.43%, which is above average.

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