The First National Bank of Wyoming

The First National Bank of Wyoming is headquartered in Wyoming and is the 20^th largest bank in the state of Delaware. It is also the 2,250^th largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 70 employees at 6 locations. The First National Bank of Wyoming has a 4-star health rating.

The First National Bank of Wyoming Checking Account Rates

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The First National Bank of Wyoming IRA Rates

Data for Q1 2012

Institution Statistics The First National Bank of Wyoming FDIC Certificate # 4819 BankRate Report View Year Established 1909 Employees 70 Primary Regulator OCC Assets and Liabilities Assets $290.05 million Loans $177.25 million Deposits $230.74 million Equity Capital $46.73 million Loan Loss Allowance $6.97 million Unbacked Noncurrent Loans $10.70 million Real Estate Owned $7.00 million Historic Data - March 2011 Assets $287.45 million Equity Capital $45.16 million Loan Loss Allowance $9.36 million Unbacked Noncurrent Loans $28.30 million Real Estate Owned $6.61 million Profit Margin - Quarterly Net Interest Margin 3.73% Return on Assets 0.75% Return on Equity 4.67% Interest Income $2.76 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 The First National Bank of Wyoming had $17.7 million in non-current loans and owned real-estate with $53.7 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Wyoming a Texas Ratio of 32.97% 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 The First National Bank of Wyoming decreased significantly from 64.03% as of March 31, 2011 to 32.97% as of March 31, 2012, resulting in a positive change of 48.51%.This indicates that the balance sheet and financial strength for The First National Bank of Wyoming has improved significantly in recent periods. Deposit Growth In the past year, The First National Bank of Wyoming has increased its total deposits by $869,000, resulting in 0.38% 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 The First National Bank of Wyoming has shown is 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. The First National Bank of Wyoming has $290.05 million in assets with $53.7 million in equity, resulting in a capitalization level of 18.51%, which is excellent.

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