Hilltop National Bank

Hilltop National Bank is headquartered in Casper and is the 3^rd largest bank in the state of Wyoming. It is also the 1,128^th largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 146 employees at 6 locations. Hilltop National Bank has a 5-star health rating.

Hilltop National Bank Routing Number: 102301199

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Data for Q1 2012

Institution Statistics Hilltop National Bank FDIC Certificate # 19184 BankRate Report View Year Established 1964 Employees 146 Primary Regulator OCC Assets and Liabilities Assets $594.09 million Loans $223.42 million Deposits $534.01 million Equity Capital $58.93 million Loan Loss Allowance $3.02 million Unbacked Noncurrent Loans $1.41 million Historic Data - March 2011 Assets $504.92 million Equity Capital $48.35 million Loan Loss Allowance $3.57 million Unbacked Noncurrent Loans $335,000 Profit Margin - Quarterly Net Interest Margin 3.3% Return on Assets 1.47% Return on Equity 14.73% Interest Income $4.84 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 March 31, 2012 Hilltop National Bank had $1.41 million in non-current loans and owned real-estate with $61.94 million in equity and loan loss allowances on hand to cover it. This gives Hilltop National Bank a Texas Ratio of 2.27% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hilltop National Bank held steady from 0.65% as of March 31, 2011 to 2.27% as of March 31, 2012, resulting in a negative change of 251.98%. This indicates that the balance sheet and financial strength for Hilltop National Bank has held steady in recent periods. Deposit Growth In the past year, Hilltop National Bank has increased its total deposits by $78.47 million, resulting in 17.23% 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 Hilltop National 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. Hilltop National Bank has $594.09 million in assets with $61.94 million in equity, resulting in a capitalization level of 10.43%, which is above average.

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