Western Bank of Wolf Point

Western Bank of Wolf Point is headquartered in Wolf Point and is the 41^st largest bank in the state of Montana. It is also the 5,582^nd largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 17 employees at 1 location. Western Bank of Wolf Point's savings rates are 98% higher than the national average, and it boasts a 5-star health rating.

Western Bank of Wolf Point Routing Number: 092902705

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Data for Q1 2012

Institution Statistics Western Bank of Wolf Point FDIC Certificate # 341 BankRate Report View Year Established 1913 Employees 17 Primary Regulator FED Assets and Liabilities Assets $76.65 million Loans $29.03 million Deposits $66.11 million Equity Capital $7.46 million Loan Loss Allowance $708,000 Unbacked Noncurrent Loans $399,000 Real Estate Owned $166,000 Historic Data - March 2011 Assets $66.30 million Equity Capital $6.43 million Loan Loss Allowance $800,000 Unbacked Noncurrent Loans $778,000 Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 1.65% Return on Equity 16.2% Interest Income $746,000

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 Western Bank of Wolf Point had $565,000 in non-current loans and owned real-estate with $8.17 million in equity and loan loss allowances on hand to cover it. This gives Western Bank of Wolf Point a Texas Ratio of 6.92% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Western Bank of Wolf Point decreased slightly from 10.76% as of March 31, 2011 to 6.92% as of March 31, 2012, resulting in a positive change of 35.69%.This indicates that the balance sheet and financial strength for Western Bank of Wolf Point has improved slightly in recent periods. Deposit Growth In the past year, Western Bank of Wolf Point has increased its total deposits by $10.28 million, resulting in 18.41% 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 Western Bank of Wolf Point 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. Western Bank of Wolf Point has $76.65 million in assets with $8.17 million in equity, resulting in a capitalization level of 10.65%, which is above average.

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