The Capon Valley Bank

The Capon Valley Bank is headquartered in Wardensville and is the 35^th largest bank in the state of West Virginia. It is also the 3,790^th largest bank in the nation. It was established in 1918 and as of March of 2012, it had grown to 48 employees at 5 locations. The Capon Valley Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Capon Valley Bank FDIC Certificate # 9998 BankRate Report View Year Established 1918 Employees 48 Primary Regulator FED Assets and Liabilities Assets $154.98 million Loans $113.05 million Deposits $137.83 million Equity Capital $13.48 million Loan Loss Allowance $2.42 million Unbacked Noncurrent Loans $2.05 million Real Estate Owned $3.47 million Historic Data - March 2011 Assets $158.11 million Equity Capital $13.28 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $2.56 million Real Estate Owned $3.81 million Profit Margin - Quarterly Net Interest Margin 4.47% Return on Assets 0.42% Return on Equity 4.83% Interest Income $1.94 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 The Capon Valley Bank had $5.52 million in non-current loans and owned real-estate with $15.9 million in equity and loan loss allowances on hand to cover it. This gives The Capon Valley Bank a Texas Ratio of 34.71% 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 The Capon Valley Bank decreased slightly from 40.87% as of March 31, 2011 to 34.71% as of March 31, 2012, resulting in a positive change of 15.07%.This indicates that the balance sheet and financial strength for The Capon Valley Bank has improved slightly in recent periods. Deposit Growth In the past year, The Capon Valley Bank has decreased its total deposits by -$1.64 million, resulting in -1.18% 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 The Capon Valley Bank 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. The Capon Valley Bank has $154.98 million in assets with $15.9 million in equity, resulting in a capitalization level of 10.26%, which is above average.

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