Rock Branch Community Bank, Inc.

Rock Branch Community Bank, Inc. is headquartered in Nitro and is the 55^th largest bank in the state of West Virginia. It is also the 5,623^rd largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 19 employees at 1 location. Rock Branch Community Bank, Inc.'s savings rates are 44% higher than the national average, and it has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Rock Branch Community Bank, Inc. FDIC Certificate # 34245 BankRate Report View Year Established 1996 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $75.33 million Loans $50.01 million Deposits $66.33 million Equity Capital $6.80 million Loan Loss Allowance $502,000 Unbacked Noncurrent Loans $1.00 million Real Estate Owned $344,000 Historic Data - March 2011 Assets $76.26 million Equity Capital $6.18 million Loan Loss Allowance $581,000 Unbacked Noncurrent Loans $1.07 million Real Estate Owned $31,000 Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.96% Return on Equity 10.72% Interest Income $857,000

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 Rock Branch Community Bank, Inc. had $1.35 million in non-current loans and owned real-estate with $7.3 million in equity and loan loss allowances on hand to cover it. This gives Rock Branch Community Bank, Inc. a Texas Ratio of 18.47% 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 Rock Branch Community Bank, Inc. held steady from 16.34% as of March 31, 2011 to 18.47% as of March 31, 2012, resulting in a negative change of 13.03%. This indicates that the balance sheet and financial strength for Rock Branch Community Bank, Inc. has held steady in recent periods. Deposit Growth In the past year, Rock Branch Community Bank, Inc. has decreased its total deposits by -$1.49 million, resulting in -2.19% 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 Rock Branch Community Bank, Inc. 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. Rock Branch Community Bank, Inc. has $75.33 million in assets with $7.3 million in equity, resulting in a capitalization level of 9.69%, which is average.

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