Rocky Mountain Bank (WY)

Rocky Mountain Bank (WY) is headquartered in Wilson and is the 11^st largest bank in the state of Wyoming. It is also the 2,761^st largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 35 employees at 4 locations. Rocky Mountain Bank (WY) has a 3-star health rating.

Data for Q1 2012

Institution Statistics Rocky Mountain Bank FDIC Certificate # 24334 BankRate Report View Year Established 1983 Employees 35 Primary Regulator FED Assets and Liabilities Assets $231.68 million Loans $125.80 million Deposits $173.24 million Equity Capital $19.97 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $11.02 million Real Estate Owned $1.33 million Historic Data - March 2011 Assets $257.24 million Equity Capital $14.09 million Loan Loss Allowance $10.46 million Unbacked Noncurrent Loans $25.41 million Real Estate Owned $6.71 million Profit Margin - Quarterly Net Interest Margin 1.03% Return on Assets -3.37% Return on Equity -58.31% Interest Income $710,000

Institution Health Overall Score: 3 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 Rocky Mountain Bank (WY) had $12.34 million in non-current loans and owned real-estate with $21.76 million in equity and loan loss allowances on hand to cover it. This gives Rocky Mountain Bank (WY) a Texas Ratio of 56.71% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Rocky Mountain Bank (WY) decreased significantly from 130.81% as of March 31, 2011 to 56.71% as of March 31, 2012, resulting in a positive change of 56.65%.This indicates that the balance sheet and financial strength for Rocky Mountain Bank (WY) has improved significantly in recent periods. Deposit Growth In the past year, Rocky Mountain Bank (WY) has decreased its total deposits by -$33.46 million, resulting in -16.19% 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 Rocky Mountain Bank (WY) has shown is poor. 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. Rocky Mountain Bank (WY) has $231.68 million in assets with $21.76 million in equity, resulting in a capitalization level of 9.39%, which is average.

No reviews have been left for this bank yet. Be the first to review.