Utah Community Bank

Utah Community Bank is headquartered in Sandy and is the 54^th largest bank in the state of Utah. It is also the 6,971^st largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 8 employees at 1 location. Utah Community Bank has a 3-star health rating.

Utah Community Bank Routing Number: 124303036

Data for Q1 2012

Institution Statistics Utah Community Bank FDIC Certificate # 35323 BankRate Report View Year Established 2000 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $29.09 million Loans $18.07 million Deposits $24.65 million Equity Capital $4.43 million Loan Loss Allowance $506,000 Unbacked Noncurrent Loans $870,000 Real Estate Owned $1.82 million Historic Data - March 2011 Assets $33.07 million Equity Capital $4.98 million Loan Loss Allowance $662,000 Unbacked Noncurrent Loans $1.05 million Real Estate Owned $2.51 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets -0.4% Return on Equity -2.61% Interest Income $290,000

Institution Health Overall Score: 3 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 Utah Community Bank had $2.69 million in non-current loans and owned real-estate with $4.93 million in equity and loan loss allowances on hand to cover it. This gives Utah Community Bank a Texas Ratio of 54.60% 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 Utah Community Bank held steady from 63.03% as of March 31, 2011 to 54.60% as of March 31, 2012, resulting in a positive change of 13.37%.This indicates that the balance sheet and financial strength for Utah Community Bank has held steady in recent periods. Deposit Growth In the past year, Utah Community Bank has decreased its total deposits by -$3.41 million, resulting in -12.17% 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 Utah Community Bank has shown is poor. 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. Utah Community Bank has $29.09 million in assets with $4.93 million in equity, resulting in a capitalization level of 16.95%, which is excellent.

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