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Overview / Commentary
5827 Yellowstone Road
Cheyenne, WY 82009

Wyoming Bank & Trust is headquartered in Cheyenne and is the 20th largest bank in the state of Wyoming. It is also the 3,963rd largest bank in the nation. It was established in 1919 and as of March of 2014, it had grown to 48 employees at 2 locations. Wyoming Bank & Trust has a A+ health rating.

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Wyoming Bank & Trust had $1.18 million in non-current loans and owned real-estate with $15.54 million in equity and loan loss allowances on hand to cover it. This gives Wyoming Bank & Trust a Texas Ratio of 7.59% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
A+

The Texas Ratio for Wyoming Bank & Trust decreased dramatically from 15.57% as of March 31, 2013 to 7.59% as of March 31, 2014, resulting in a positive change of 51.22%.This indicates that the balance sheet and financial strength for Wyoming Bank & Trust has improved dramatically in recent periods.

Deposit Growth

GRADE:
B+

In the past year, Wyoming Bank & Trust has increased its total deposits by $1.75 million, resulting in 1.48% 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 Wyoming Bank & Trust has shown is above average.

Capitalization

GRADE:
A

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. Wyoming Bank & Trust has $136.27 million in assets with $15.54 million in equity, resulting in a capitalization level of 11.40%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #8718
Year Established1919
Employees48
Primary RegulatorFED
Assets and Liabilities
Assets$136.27 million
Loans$78.02 million
Deposits$120.51 million
Equity Capital$14.21 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$83,000
Historic Data - March 2013
Assets$133.89 million
Equity Capital$13.52 million
Loan Loss Allowance$1.61 million
Unbacked Noncurrent Loans$1.10 million
Real Estate Owned$1.07 million
Profit Margin - Quarterly
Net Interest Margin3.4%
Return on Assets0.9%
Return on Equity8.74%
Interest Income$1.16 million
Rates

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Locations


Wyoming Bank & Trust Locations
Burns Branch120 Main StreetBurns, WY 82053
Wyoming Bank & Trust5827 Yellowstone RoadCheyenne, WY 82009