Brighton Bank (UT)

Brighton Bank (UT) is headquartered in Salt Lake City and is the 37^th largest bank in the state of Utah. It is also the 3,821^st largest bank in the nation. It was established in 1978 and as of December of 2011, it had grown to 55 employees at 5 locations. Brighton Bank (UT) has a 5-star health rating.

Data for Q4 2011

Institution Statistics Brighton Bank FDIC Certificate # 22578 BankRate Report View Year Established 1978 Employees 55 Primary Regulator FDIC Assets and Liabilities Assets $152.24 million Loans $71.09 million Deposits $123.48 million Equity Capital $21.30 million Loan Loss Allowance $2.16 million Unbacked Noncurrent Loans $39,000 Real Estate Owned $1.59 million Historic Data - December 2010 Assets $142.93 million Equity Capital $20.49 million Loan Loss Allowance $2.28 million Unbacked Noncurrent Loans $1.01 million Real Estate Owned $2.90 million Profit Margin - Quarterly Net Interest Margin 5.04% Return on Assets 1.51% Return on Equity 10.75% Interest Income $7.13 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 December 31, 2011 Brighton Bank (UT) had $1.62 million in non-current loans and owned real-estate with $23.46 million in equity and loan loss allowances on hand to cover it. This gives Brighton Bank (UT) a Texas Ratio of 6.92% 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 Brighton Bank (UT) decreased significantly from 17.17% as of December 31, 2010 to 6.92% as of December 31, 2011, resulting in a positive change of 59.66%.This indicates that the balance sheet and financial strength for Brighton Bank (UT) has improved significantly in recent periods. Deposit Growth In the past year, Brighton Bank (UT) has increased its total deposits by $8.76 million, resulting in 7.63% 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 Brighton Bank (UT) 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. Brighton Bank (UT) has $152.24 million in assets with $23.46 million in equity, resulting in a capitalization level of 15.41%, which is excellent.

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