Institution Statistics
| Wyoming National Bank | | FDIC Certificate # | 35220 | | BankRate Report | View | | Year Established | 1999 | | Employees | 33 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $114.31 million | | Loans | $69.76 million | | Deposits | $100.13 million | | Equity Capital | $9.71 million | | Loan Loss Allowance | $1.34 million | | Unbacked Noncurrent Loans | $627,000 | | Real Estate Owned | $392,000 |
Historic Data - September 2010 | | Assets | $106.54 million | | Equity Capital | $7.77 million | | Loan Loss Allowance | $1.23 million | | Unbacked Noncurrent Loans | $1.74 million | | Real Estate Owned | $57,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.6% | | Return on Assets | 0.95% | | Return on Equity | 12.21% | | Interest Income | $3.91 million |
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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 September 30, 2011 Wyoming National Bank had $1.02 million in non-current loans and owned real-estate with $11.05 million in equity and loan loss allowances on hand to cover it. This gives Wyoming National Bank a Texas Ratio of 9.22% 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 National Bank decreased significantly from 19.95% as of September 30, 2010 to 9.22% as of September 30, 2011, resulting in a positive change of 53.80%.This indicates that the balance sheet and financial strength for Wyoming National Bank has improved significantly in recent periods. | | Deposit Growth | | | In the past year, Wyoming National Bank has increased its total deposits by $5.54 million, resulting in 5.85% 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 National Bank 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. Wyoming National Bank has $114.31 million in assets with $11.05 million in equity, resulting in a capitalization level of 9.67%, which is average. |
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