Wright Express Financial Services Corporation

Wright Express Financial Services Corporation is headquartered in Midvale and is the 15^st largest bank in the state of Utah. It is also the 497^th largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 31 employees at 1 location. Wright Express Financial Services Corporation has a 5-star health rating.

Data for Q1 2012

Institution Statistics Wright Express Financial Services Corporation FDIC Certificate # 34697 BankRate Report View Year Established 1998 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $1.34 billion Loans $1.27 billion Deposits $1.05 billion Equity Capital $172.19 million Loan Loss Allowance $8.27 million Unbacked Noncurrent Loans $4.32 million Historic Data - March 2011 Assets $1.20 billion Equity Capital $147.14 million Loan Loss Allowance $8.26 million Unbacked Noncurrent Loans $8.07 million Profit Margin - Quarterly Net Interest Margin 24.06% Return on Assets 10.43% Return on Equity 78.85% Interest Income $73.23 million

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 Wright Express Financial Services Corporation had $4.32 million in non-current loans and owned real-estate with $180.46 million in equity and loan loss allowances on hand to cover it. This gives Wright Express Financial Services Corporation a Texas Ratio of 2.40% 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 Wright Express Financial Services Corporation decreased significantly from 5.19% as of March 31, 2011 to 2.40% as of March 31, 2012, resulting in a positive change of 53.86%.This indicates that the balance sheet and financial strength for Wright Express Financial Services Corporation has improved significantly in recent periods. Deposit Growth In the past year, Wright Express Financial Services Corporation has increased its total deposits by $61.86 million, resulting in 6.29% 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 Wright Express Financial Services Corporation 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. Wright Express Financial Services Corporation has $1.34 billion in assets with $180.46 million in equity, resulting in a capitalization level of 13.44%, which is excellent.

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