Western Community Bank

Western Community Bank is headquartered in Orem and is the 39^th largest bank in the state of Utah. It is also the 4,035^th largest bank in the nation. It was established in 1991 and as of March of 2012, it had grown to 42 employees at 2 locations. Western Community Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Rock Canyon Bank FDIC Certificate # 33542 BankRate Report View Year Established 1991 Employees 42 Primary Regulator FDIC Assets and Liabilities Assets $140.78 million Loans $112.31 million Deposits $123.63 million Equity Capital $16.99 million Loan Loss Allowance $3.60 million Unbacked Noncurrent Loans $862,000 Real Estate Owned $5.42 million Historic Data - March 2011 Assets $109.60 million Equity Capital $15.06 million Loan Loss Allowance $4.14 million Unbacked Noncurrent Loans $6.55 million Real Estate Owned $5.05 million Profit Margin - Quarterly Net Interest Margin 5.89% Return on Assets 2.22% Return on Equity 18.42% Interest Income $1.92 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 March 31, 2012 Western Community Bank had $6.28 million in non-current loans and owned real-estate with $20.59 million in equity and loan loss allowances on hand to cover it. This gives Western Community Bank a Texas Ratio of 30.50% 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 Western Community Bank decreased significantly from 60.45% as of March 31, 2011 to 30.50% as of March 31, 2012, resulting in a positive change of 49.55%.This indicates that the balance sheet and financial strength for Western Community Bank has improved significantly in recent periods. Deposit Growth In the past year, Western Community Bank has increased its total deposits by $29.23 million, resulting in 30.96% 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 Western 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. Western Community Bank has $140.78 million in assets with $20.59 million in equity, resulting in a capitalization level of 14.63%, which is excellent.

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