The Harrison County Bank

The Harrison County Bank is headquartered in Lost Creek and is the 50^th largest bank in the state of West Virginia. It is also the 5,014^st largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 30 employees at 5 locations. The Harrison County Bank has a 4-star health rating.

The Harrison County Bank Savings Account Rates

The Harrison County Bank CD Rates

Data for Q1 2012

Institution Statistics The Harrison County Bank FDIC Certificate # 9030 BankRate Report View Year Established 1911 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $97.62 million Loans $38.33 million Deposits $87.93 million Equity Capital $9.13 million Loan Loss Allowance $337,000 Unbacked Noncurrent Loans $954,000 Historic Data - March 2011 Assets $95.14 million Equity Capital $8.57 million Loan Loss Allowance $368,000 Unbacked Noncurrent Loans $255,000 Profit Margin - Quarterly Net Interest Margin 3.3% Return on Assets 0.63% Return on Equity 6.6% Interest Income $837,000

Institution Health Overall Score: 4 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 Harrison County Bank had $954,000 in non-current loans and owned real-estate with $9.47 million in equity and loan loss allowances on hand to cover it. This gives The Harrison County Bank a Texas Ratio of 10.07% 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 The Harrison County Bank increased slightly from 2.85% as of March 31, 2011 to 10.07% as of March 31, 2012, resulting in a negative change of 253.26%. This indicates that the balance sheet and financial strength for The Harrison County Bank has declined slightly in recent periods. Deposit Growth In the past year, The Harrison County Bank has increased its total deposits by $4.76 million, resulting in 5.72% 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 Harrison County Bank 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. The Harrison County Bank has $97.62 million in assets with $9.47 million in equity, resulting in a capitalization level of 9.70%, which is average.

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