Bank of Utah

Bank of Utah is headquartered in Ogden and is the 21^st largest bank in the state of Utah. It is also the 890^th largest bank in the nation. It was established in 1952 and as of December of 2011, it had grown to 264 employees at 13 locations. Bank of Utah's savings rates are 54% higher than the national average, and it has a 4-star health rating.

Bank of Utah Routing Number: 124300107

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Data for Q4 2011

Institution Statistics Bank of Utah FDIC Certificate # 17159 BankRate Report View Year Established 1952 Employees 264 Primary Regulator FED Assets and Liabilities Assets $745.83 million Loans $417.67 million Deposits $601.05 million Equity Capital $94.54 million Loan Loss Allowance $10.83 million Unbacked Noncurrent Loans $10.42 million Real Estate Owned $4.35 million Historic Data - December 2010 Assets $746.89 million Equity Capital $80.58 million Loan Loss Allowance $11.01 million Unbacked Noncurrent Loans $10.61 million Real Estate Owned $5.51 million Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 1.32% Return on Equity 11.21% Interest Income $29.99 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 December 31, 2011 Bank of Utah had $14.77 million in non-current loans and owned real-estate with $105.36 million in equity and loan loss allowances on hand to cover it. This gives Bank of Utah a Texas Ratio of 14.02% 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 Bank of Utah decreased slightly from 18.22% as of December 31, 2010 to 14.02% as of December 31, 2011, resulting in a positive change of 23.08%.This indicates that the balance sheet and financial strength for Bank of Utah has improved slightly in recent periods. Deposit Growth In the past year, Bank of Utah has increased its total deposits by $3.86 million, resulting in 0.65% 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 Bank of Utah 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. Bank of Utah has $745.83 million in assets with $105.36 million in equity, resulting in a capitalization level of 14.13%, which is excellent.

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