First Federal Savings Bank (WY)

First Federal Savings Bank (WY) is headquartered in Sheridan and is the 12^st largest bank in the state of Wyoming. It is also the 2,857^th largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 45 employees at 2 locations. First Federal Savings Bank (WY) has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Federal Savings Bank OTS # 03619 FDIC Certificate # 29537 BankRate Report View Year Established 1935 Employees 45 Primary Regulator OCC Assets and Liabilities Assets $223.45 million Loans $101.57 million Deposits $168.90 million Equity Capital $38.57 million Loan Loss Allowance $2.49 million Unbacked Noncurrent Loans $4.98 million Real Estate Owned $275,000 Historic Data - March 2011 Assets $228.08 million Equity Capital $37.08 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $4.66 million Real Estate Owned $655,000 Profit Margin - Quarterly Net Interest Margin 2.81% Return on Assets 0.19% Return on Equity 1.09% Interest Income $1.76 million

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 First Federal Savings Bank (WY) had $5.25 million in non-current loans and owned real-estate with $41.06 million in equity and loan loss allowances on hand to cover it. This gives First Federal Savings Bank (WY) a Texas Ratio of 12.80% 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 First Federal Savings Bank (WY) held steady from 13.90% as of March 31, 2011 to 12.80% as of March 31, 2012, resulting in a positive change of 7.96%.This indicates that the balance sheet and financial strength for First Federal Savings Bank (WY) has held steady in recent periods. Deposit Growth In the past year, First Federal Savings Bank (WY) has increased its total deposits by $1.83 million, resulting in 1.1% 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 First Federal Savings Bank (WY) has shown is above 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. First Federal Savings Bank (WY) has $223.45 million in assets with $41.06 million in equity, resulting in a capitalization level of 18.37%, which is excellent.

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