First National Bank and Trust Company

First National Bank and Trust Company is headquartered in Powell and is the 6^th largest bank in the state of Wyoming. It is also the 1,652^nd largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 77 employees at 4 locations. First National Bank and Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Bank of Wyoming FDIC Certificate # 2226 BankRate Report View Year Established 1912 Employees 77 Primary Regulator FDIC Assets and Liabilities Assets $403.05 million Loans $126.89 million Deposits $292.83 million Equity Capital $44.57 million Loan Loss Allowance $2.22 million Unbacked Noncurrent Loans $4.60 million Real Estate Owned $3.52 million Historic Data - March 2011 Assets $360.99 million Equity Capital $40.56 million Loan Loss Allowance $2.31 million Unbacked Noncurrent Loans $7.38 million Real Estate Owned $1.31 million Profit Margin - Quarterly Net Interest Margin 2.75% Return on Assets 0.88% Return on Equity 7.88% Interest Income $2.97 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 National Bank and Trust Company had $8.12 million in non-current loans and owned real-estate with $46.8 million in equity and loan loss allowances on hand to cover it. This gives First National Bank and Trust Company a Texas Ratio of 17.35% 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 First National Bank and Trust Company held steady from 20.26% as of March 31, 2011 to 17.35% as of March 31, 2012, resulting in a positive change of 14.36%.This indicates that the balance sheet and financial strength for First National Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, First National Bank and Trust Company has increased its total deposits by $22.25 million, resulting in 8.22% 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 First National Bank and Trust Company 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. First National Bank and Trust Company has $403.04 million in assets with $46.8 million in equity, resulting in a capitalization level of 11.61%, which is above average.

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