First State Bank of Wyoming

First State Bank of Wyoming is headquartered in Wyoming and is the 123^rd largest bank in the state of Minnesota. It is also the 3,987^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 26 employees at 2 locations. First State Bank of Wyoming's savings rates are 25% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First State Bank of Wyoming FDIC Certificate # 1609 BankRate Report View Year Established 1914 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $143.68 million Loans $60.71 million Deposits $120.20 million Equity Capital $22.86 million Loan Loss Allowance $2.12 million Unbacked Noncurrent Loans $2.76 million Real Estate Owned $2.87 million Historic Data - March 2011 Assets $139.63 million Equity Capital $22.09 million Loan Loss Allowance $1.63 million Unbacked Noncurrent Loans $5.20 million Real Estate Owned $3.70 million Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.85% Return on Equity 5.36% Interest Income $1.48 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 State Bank of Wyoming had $5.63 million in non-current loans and owned real-estate with $24.98 million in equity and loan loss allowances on hand to cover it. This gives First State Bank of Wyoming a Texas Ratio of 22.53% 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 State Bank of Wyoming decreased slightly from 37.51% as of March 31, 2011 to 22.53% as of March 31, 2012, resulting in a positive change of 39.93%.This indicates that the balance sheet and financial strength for First State Bank of Wyoming has improved slightly in recent periods. Deposit Growth In the past year, First State Bank of Wyoming has increased its total deposits by $3.18 million, resulting in 2.71% 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 State Bank of Wyoming 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 State Bank of Wyoming has $143.68 million in assets with $24.98 million in equity, resulting in a capitalization level of 17.38%, which is excellent.

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