Capital Community Bank

Capital Community Bank is headquartered in Provo and is the 42^nd largest bank in the state of Utah. It is also the 4,638^th largest bank in the nation. It was established in 1993 and as of December of 2011, it had grown to 41 employees at 4 locations. Capital Community Bank has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Capital Community Bank FDIC Certificate # 33823 BankRate Report View Year Established 1993 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $112.19 million Loans $80.19 million Deposits $96.66 million Equity Capital $15.04 million Loan Loss Allowance $1.88 million Unbacked Noncurrent Loans $1.78 million Real Estate Owned $5.23 million Historic Data - December 2010 Assets $105.65 million Equity Capital $14.47 million Loan Loss Allowance $2.46 million Unbacked Noncurrent Loans $1.26 million Real Estate Owned $5.95 million Profit Margin - Quarterly Net Interest Margin 4.49% Return on Assets 0.52% Return on Equity 3.84% Interest Income $5.39 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 Capital Community Bank had $7.01 million in non-current loans and owned real-estate with $16.91 million in equity and loan loss allowances on hand to cover it. This gives Capital Community Bank a Texas Ratio of 41.45% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Capital Community Bank held steady from 42.56% as of December 31, 2010 to 41.45% as of December 31, 2011, resulting in a positive change of 2.62%.This indicates that the balance sheet and financial strength for Capital Community Bank has held steady in recent periods. Deposit Growth In the past year, Capital Community Bank has increased its total deposits by $6.47 million, resulting in 7.18% 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 Capital Community 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. Capital Community Bank has $112.19 million in assets with $16.91 million in equity, resulting in a capitalization level of 15.07%, which is excellent.

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