The Grant County Bank

The Grant County Bank is headquartered in Petersburg and is the 26^th largest bank in the state of West Virginia. It is also the 2,671^st largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 72 employees at 7 locations. The Grant County Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Grant County Bank FDIC Certificate # 11953 BankRate Report View Year Established 1902 Employees 72 Primary Regulator FDIC Assets and Liabilities Assets $240.85 million Loans $192.48 million Deposits $206.94 million Equity Capital $26.68 million Loan Loss Allowance $3.44 million Unbacked Noncurrent Loans $5.41 million Real Estate Owned $4.52 million Historic Data - March 2011 Assets $243.53 million Equity Capital $25.93 million Loan Loss Allowance $3.30 million Unbacked Noncurrent Loans $6.66 million Real Estate Owned $1.55 million Profit Margin - Quarterly Net Interest Margin 4.79% Return on Assets 0.8% Return on Equity 7.41% Interest Income $3.11 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 Grant County Bank had $9.93 million in non-current loans and owned real-estate with $30.12 million in equity and loan loss allowances on hand to cover it. This gives The Grant County Bank a Texas Ratio of 32.97% 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 Grant County Bank held steady from 28.06% as of March 31, 2011 to 32.97% as of March 31, 2012, resulting in a negative change of 17.47%. This indicates that the balance sheet and financial strength for The Grant County Bank has held steady in recent periods. Deposit Growth In the past year, The Grant County Bank has decreased its total deposits by $-742,000, resulting in -0.36% 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 Grant County Bank has shown is 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 Grant County Bank has $240.85 million in assets with $30.12 million in equity, resulting in a capitalization level of 12.51%, which is excellent.

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