The Poca Valley Bank, Inc.

The Poca Valley Bank, Inc. is headquartered in Walton and is the 15^st largest bank in the state of West Virginia. It is also the 2,116^st largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 98 employees at 7 locations. The Poca Valley Bank, Inc. has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Poca Valley Bank, Inc. FDIC Certificate # 11952 BankRate Report View Year Established 1908 Employees 98 Primary Regulator FDIC Assets and Liabilities Assets $308.62 million Loans $200.21 million Deposits $275.32 million Equity Capital $28.86 million Loan Loss Allowance $2.94 million Unbacked Noncurrent Loans $2.51 million Real Estate Owned $1.41 million Historic Data - March 2011 Assets $291.49 million Equity Capital $26.87 million Loan Loss Allowance $2.88 million Unbacked Noncurrent Loans $5.32 million Real Estate Owned $1.37 million Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 0.76% Return on Equity 8.19% Interest Income $3.69 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 The Poca Valley Bank, Inc. had $3.92 million in non-current loans and owned real-estate with $31.8 million in equity and loan loss allowances on hand to cover it. This gives The Poca Valley Bank, Inc. a Texas Ratio of 12.34% 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 Poca Valley Bank, Inc. decreased significantly from 22.49% as of March 31, 2011 to 12.34% as of March 31, 2012, resulting in a positive change of 45.11%.This indicates that the balance sheet and financial strength for The Poca Valley Bank, Inc. has improved significantly in recent periods. Deposit Growth In the past year, The Poca Valley Bank, Inc. has increased its total deposits by $13.81 million, resulting in 5.28% 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 Poca Valley 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. The Poca Valley Bank, Inc. has $308.62 million in assets with $31.8 million in equity, resulting in a capitalization level of 10.30%, which is above average.

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