The Rawlins National Bank

The Rawlins National Bank is headquartered in Rawlins and is the 20^th largest bank in the state of Wyoming. It is also the 3,903^rd largest bank in the nation. It was established in 1898 and as of March of 2012, it had grown to 50 employees at 5 locations. The Rawlins National Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Rawlins National Bank FDIC Certificate # 2228 BankRate Report View Year Established 1898 Employees 50 Primary Regulator OCC Assets and Liabilities Assets $148.41 million Loans $62.02 million Deposits $130.69 million Equity Capital $14.12 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $1.86 million Real Estate Owned $1.87 million Historic Data - March 2011 Assets $146.05 million Equity Capital $14.19 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $4.95 million Real Estate Owned $1.12 million Profit Margin - Quarterly Net Interest Margin 3.11% Return on Assets 0% Return on Equity 0% Interest Income $1.18 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 Rawlins National Bank had $3.73 million in non-current loans and owned real-estate with $15.62 million in equity and loan loss allowances on hand to cover it. This gives The Rawlins National Bank a Texas Ratio of 23.87% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Rawlins National Bank decreased slightly from 37.96% as of March 31, 2011 to 23.87% as of March 31, 2012, resulting in a positive change of 37.13%.This indicates that the balance sheet and financial strength for The Rawlins National Bank has improved slightly in recent periods. Deposit Growth In the past year, The Rawlins National Bank has increased its total deposits by $2.37 million, resulting in 1.84% 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 Rawlins National Bank has shown is above 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 Rawlins National Bank has $148.4 million in assets with $15.62 million in equity, resulting in a capitalization level of 10.53%, which is above average.

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