Tri-County Bank (WY)

Tri-County Bank (WY) is headquartered in Cheyenne and is the 31^st largest bank in the state of Wyoming. It is also the 6,158^th largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 15 employees at 2 locations. Tri-County Bank (WY) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Tri-County Bank FDIC Certificate # 29608 BankRate Report View Year Established 1935 Employees 15 Primary Regulator FED Assets and Liabilities Assets $56.90 million Loans $44.33 million Deposits $44.55 million Equity Capital $6.21 million Loan Loss Allowance $658,000 Unbacked Noncurrent Loans $613,000 Real Estate Owned $285,000 Historic Data - March 2011 Assets $53.61 million Equity Capital $5.79 million Loan Loss Allowance $540,000 Unbacked Noncurrent Loans $373,000 Real Estate Owned $357,000 Profit Margin - Quarterly Net Interest Margin 4.19% Return on Assets 0.85% Return on Equity 7.72% Interest Income $690,000

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 Tri-County Bank (WY) had $898,000 in non-current loans and owned real-estate with $6.87 million in equity and loan loss allowances on hand to cover it. This gives Tri-County Bank (WY) a Texas Ratio of 13.07% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Tri-County Bank (WY) held steady from 11.54% as of March 31, 2011 to 13.07% as of March 31, 2012, resulting in a negative change of 13.24%. This indicates that the balance sheet and financial strength for Tri-County Bank (WY) has held steady in recent periods. Deposit Growth In the past year, Tri-County Bank (WY) has increased its total deposits by $2.2 million, resulting in 5.2% 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 Tri-County Bank (WY) 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. Tri-County Bank (WY) has $56.9 million in assets with $6.87 million in equity, resulting in a capitalization level of 12.08%, which is excellent.

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