1ST BANK

1ST BANK is headquartered in Evanston and is the largest bank in the state of Wyoming. It is also the 846^th largest bank in the nation. It was established in 1934 and as of December of 2011, it had grown to 139 employees at 10 locations. 1ST BANK has a 5-star health rating.

1ST BANK Routing Number: 102300336

Data for Q4 2011

Institution Statistics 1ST BANK FDIC Certificate # 16522 BankRate Report View Year Established 1934 Employees 139 Primary Regulator FDIC Assets and Liabilities Assets $785.63 million Loans $234.64 million Deposits $535.67 million Equity Capital $94.03 million Loan Loss Allowance $8.57 million Unbacked Noncurrent Loans $9.30 million Real Estate Owned $5.07 million Historic Data - December 2010 Assets $716.07 million Equity Capital $107.23 million Loan Loss Allowance $10.47 million Unbacked Noncurrent Loans $3.47 million Real Estate Owned $8.86 million Profit Margin - Quarterly Net Interest Margin 3.34% Return on Assets -1.36% Return on Equity -10.03% Interest Income $26.94 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 December 31, 2011 1ST BANK had $14.38 million in non-current loans and owned real-estate with $102.6 million in equity and loan loss allowances on hand to cover it. This gives 1ST BANK a Texas Ratio of 14.01% 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 1ST BANK held steady from 10.47% as of December 31, 2010 to 14.01% as of December 31, 2011, resulting in a negative change of 33.79%. This indicates that the balance sheet and financial strength for 1ST BANK has held steady in recent periods. Deposit Growth In the past year, 1ST BANK has increased its total deposits by $66.7 million, resulting in 14.22% 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 1ST 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. 1ST BANK has $785.63 million in assets with $102.6 million in equity, resulting in a capitalization level of 13.06%, which is excellent.

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