Institution Statistics
| Jonah Bank of Wyoming | | FDIC Certificate # | 58396 | | BankRate Report | View | | Year Established | 2006 | | Employees | 56 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $218.37 million | | Loans | $118.07 million | | Deposits | $199.37 million | | Equity Capital | $18.68 million | | Loan Loss Allowance | $1.98 million | | Unbacked Noncurrent Loans | $510,000 | | Real Estate Owned | $26,000 |
Historic Data - March 2011 | | Assets | $173.33 million | | Equity Capital | $15.22 million | | Loan Loss Allowance | $1.79 million | | Unbacked Noncurrent Loans | $821,000 | | Real Estate Owned | $29,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.96% | | Return on Assets | 1.48% | | Return on Equity | 16.72% | | Interest Income | $2.03 million |
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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 Jonah Bank of Wyoming had $536,000 in non-current loans and owned real-estate with $20.65 million in equity and loan loss allowances on hand to cover it. This gives Jonah Bank of Wyoming a Texas Ratio of 2.60% 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 Jonah Bank of Wyoming decreased significantly from 5.00% as of March 31, 2011 to 2.60% as of March 31, 2012, resulting in a positive change of 48.08%.This indicates that the balance sheet and financial strength for Jonah Bank of Wyoming has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Jonah Bank of Wyoming has increased its total deposits by $41.55 million, resulting in 26.33% 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 Jonah Bank of Wyoming 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. Jonah Bank of Wyoming has $218.37 million in assets with $20.65 million in equity, resulting in a capitalization level of 9.46%, which is average. |
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