Wyoming State Bank

Wyoming State Bank is headquartered in Laramie and is the 23^rd largest bank in the state of Wyoming. It is also the 4,242^nd largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 35 employees at 3 locations. Wyoming State Bank has a 5-star health rating.

Wyoming State Bank Routing Number: 107007139

Data for Q1 2012

Institution Statistics Wyoming State Bank FDIC Certificate # 58395 BankRate Report View Year Established 2006 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $130.34 million Loans $88.18 million Deposits $112.82 million Equity Capital $16.81 million Loan Loss Allowance $1.61 million Historic Data - March 2011 Assets $126.14 million Equity Capital $16.30 million Loan Loss Allowance $1.52 million Real Estate Owned $145,000 Profit Margin - Quarterly Net Interest Margin 4.61% Return on Assets 0.64% Return on Equity 5.01% Interest Income $1.37 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 State Bank had $0 in non-current loans and owned real-estate with $18.42 million in equity and loan loss allowances on hand to cover it. This gives Wyoming State Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Wyoming State Bank has increased its total deposits by $3.58 million, resulting in 3.28% 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 State 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 State Bank has $130.34 million in assets with $18.42 million in equity, resulting in a capitalization level of 14.13%, which is excellent.

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