Wyoming Bank & Trust

Wyoming Bank & Trust is headquartered in Cheyenne and is the 24^th largest bank in the state of Wyoming. It is also the 4,345^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 49 employees at 2 locations. Wyoming Bank & Trust has a 4-star health rating.

Wyoming Bank & Trust Routing Number: 102301636

Data for Q1 2012

Institution Statistics Wyoming Bank & Trust FDIC Certificate # 8718 BankRate Report View Year Established 1919 Employees 49 Primary Regulator FDIC Assets and Liabilities Assets $125.54 million Loans $71.68 million Deposits $111.92 million Equity Capital $11.79 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $1.61 million Real Estate Owned $83,000 Historic Data - March 2011 Assets $123.71 million Equity Capital $10.79 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $415,000 Real Estate Owned $107,000 Profit Margin - Quarterly Net Interest Margin 3.4% Return on Assets 1.32% Return on Equity 14.1% Interest Income $1.10 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 Wyoming Bank & Trust had $1.69 million in non-current loans and owned real-estate with $13.24 million in equity and loan loss allowances on hand to cover it. This gives Wyoming Bank & Trust a Texas Ratio of 12.76% 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 Wyoming Bank & Trust increased slightly from 4.36% as of March 31, 2011 to 12.76% as of March 31, 2012, resulting in a negative change of 192.67%. This indicates that the balance sheet and financial strength for Wyoming Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Wyoming Bank & Trust has increased its total deposits by $963,000, resulting in 0.87% 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 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. Wyoming Bank & Trust has $125.54 million in assets with $13.24 million in equity, resulting in a capitalization level of 10.54%, which is above average.

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