Wyoming National Bank

Wyoming National Bank is headquartered in Riverton and is the 27^th largest bank in the state of Wyoming. It is also the 4,654^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 33 employees at 3 locations. Wyoming National Bank has a 5-star health rating.

Wyoming National Bank Routing Number: 102306644

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Wyoming National Bank Checking Account Rates

Data for Q1 2012

Institution Statistics Wyoming National Bank FDIC Certificate # 35220 BankRate Report View Year Established 1999 Employees 33 Primary Regulator OCC Assets and Liabilities Assets $112.57 million Loans $66.53 million Deposits $98.04 million Equity Capital $10.15 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $553,000 Real Estate Owned $371,000 Historic Data - March 2011 Assets $107.76 million Equity Capital $7.78 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $1.40 million Real Estate Owned $53,000 Profit Margin - Quarterly Net Interest Margin 4.56% Return on Assets 1.16% Return on Equity 12.95% Interest Income $1.27 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 Wyoming National Bank had $924,000 in non-current loans and owned real-estate with $11.56 million in equity and loan loss allowances on hand to cover it. This gives Wyoming National Bank a Texas Ratio of 7.99% 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 Wyoming National Bank decreased significantly from 15.96% as of March 31, 2011 to 7.99% as of March 31, 2012, resulting in a positive change of 49.95%.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 $1.8 million, resulting in 1.87% 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 National Bank has shown is above 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 National Bank has $112.56 million in assets with $11.56 million in equity, resulting in a capitalization level of 10.27%, which is above average.

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