LCA Bank Corporation

LCA Bank Corporation is headquartered in Park City and is the 49^th largest bank in the state of Utah. It is also the 5,785^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 8 employees at 1 location. LCA Bank Corporation has a 5-star health rating.

Data for Q1 2012

Institution Statistics LCA Bank Corporation FDIC Certificate # 58148 BankRate Report View Year Established 2006 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $69.45 million Loans $62.83 million Deposits $54.07 million Equity Capital $11.52 million Loan Loss Allowance $1.95 million Unbacked Noncurrent Loans $351,000 Historic Data - March 2011 Assets $61.10 million Equity Capital $7.67 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $107,000 Profit Margin - Quarterly Net Interest Margin 10.74% Return on Assets 2.64% Return on Equity 15.81% Interest Income $2.06 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 LCA Bank Corporation had $351,000 in non-current loans and owned real-estate with $13.47 million in equity and loan loss allowances on hand to cover it. This gives LCA Bank Corporation a Texas Ratio of 2.61% 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 LCA Bank Corporation held steady from 1.13% as of March 31, 2011 to 2.61% as of March 31, 2012, resulting in a negative change of 130.43%. This indicates that the balance sheet and financial strength for LCA Bank Corporation has held steady in recent periods. Deposit Growth In the past year, LCA Bank Corporation has increased its total deposits by $2.58 million, resulting in 5.02% 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 LCA Bank Corporation 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. LCA Bank Corporation has $69.45 million in assets with $13.47 million in equity, resulting in a capitalization level of 19.40%, which is excellent.

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