Central Bank and Trust

Central Bank and Trust is headquartered in Lander and is the 18^st largest bank in the state of Wyoming. It is also the 3,854^th largest bank in the nation. It was established in 1890 and as of December of 2011, it had grown to 43 employees at 5 locations. Central Bank and Trust has a 3-star health rating.

Central Bank and Trust Routing Number: 102300404

Data for Q4 2011

Institution Statistics Central Bank and Trust FDIC Certificate # 529 BankRate Report View Year Established 1890 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $149.98 million Loans $77.89 million Deposits $127.61 million Equity Capital $13.44 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $860,000 Real Estate Owned $1.49 million Historic Data - December 2010 Assets $156.25 million Equity Capital $16.04 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $2.83 million Real Estate Owned $1.81 million Profit Margin - Quarterly Net Interest Margin 4.11% Return on Assets 1.17% Return on Equity 11.78% Interest Income $6.94 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 December 31, 2011 Central Bank and Trust had $2.35 million in non-current loans and owned real-estate with $14.47 million in equity and loan loss allowances on hand to cover it. This gives Central Bank and Trust a Texas Ratio of 16.26% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Central Bank and Trust decreased significantly from 27.16% as of December 31, 2010 to 16.26% as of December 31, 2011, resulting in a positive change of 40.14%.This indicates that the balance sheet and financial strength for Central Bank and Trust has improved significantly in recent periods. Deposit Growth In the past year, Central Bank and Trust has decreased its total deposits by -$11.78 million, resulting in -8.45% 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 Central Bank and Trust has shown is poor. 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. Central Bank and Trust has $149.98 million in assets with $14.47 million in equity, resulting in a capitalization level of 9.65%, which is average.

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