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Overview / Commentary
307-237-4555
777 West First Street
Casper, WY 82601

Jonah Bank of Wyoming is headquartered in Casper and is the 9th largest bank in the state of Wyoming. It is also the 2,433rd largest bank in the nation. It was established in 2006 and as of March of 2014, it had grown to 65 employees at 3 locations. Jonah Bank of Wyoming has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Jonah Bank of Wyoming had $169,000 in non-current loans and owned real-estate with $25.88 million in equity and loan loss allowances on hand to cover it. This gives Jonah Bank of Wyoming a Texas Ratio of 0.65% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Jonah Bank of Wyoming decreased dramatically from 6.14% as of March 31, 2013 to 0.65% as of March 31, 2014, resulting in a positive change of 89.36%.This indicates that the balance sheet and financial strength for Jonah Bank of Wyoming has improved dramatically in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Jonah Bank of Wyoming has increased its total deposits by $39.48 million, resulting in 19.51% 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

GRADE:
B

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 $265.39 million in assets with $25.88 million in equity, resulting in a capitalization level of 9.75%, which is above average.

Institution Statistics

Overall
FDIC Certificate #58396
Year Established2006
Employees65
Primary RegulatorFED
Assets and Liabilities
Assets$265.39 million
Loans$152.84 million
Deposits$241.84 million
Equity Capital$23.05 million
Loan Loss Allowance$2.84 million
Unbacked Noncurrent Loans$10,000
Real Estate Owned$159,000
Historic Data - March 2013
Assets$226.37 million
Equity Capital$21.19 million
Loan Loss Allowance$2.63 million
Unbacked Noncurrent Loans$10,000
Real Estate Owned$27,000
Profit Margin - Quarterly
Net Interest Margin3.82%
Return on Assets1.79%
Return on Equity20.85%
Interest Income$2.40 million
Rates
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Jonah Bank of Wyoming Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.20%$150k-Saddle Up Savings

Jonah Bank of Wyoming Money Market Rates

DetailsAPYMINMAXPRODUCT
0.10%$150k-Cowboy Up Money Market

Jonah Bank of Wyoming CD Rates

DetailsAPYMINMAXPRODUCT
1.15%$500-4 Year CD
1.15%$500-5 Year CD
0.90%$500-3 Year CD
0.70%$500-2 Year CD
0.40%$500-1 Year CD
0.40%$500-18 Month CD
0.30%$500-9 Month CD
0.20%$500-6 Month CD
0.15%$500-3 Month CD
Locations


Jonah Bank of Wyoming Locations
Cheyenne Branch205 Storey BlvdCheyenne, WY 82009
Casper East Branch3730 Esat Second StreetCasper, WY 82609
Jonah Bank Of Wyoming777 West First StreetCasper, WY 82601