Woodlands Commercial Bank

Woodlands Commercial Bank is headquartered in Salt Lake City and is the 15^st largest bank in the state of Utah. It is also the 421^st largest bank in the nation. It was established in 2005 and as of September of 2011, it had grown to 26 employees at 1 location. Woodlands Commercial Bank has a 4-star health rating.

Woodlands Commercial Bank Routing Number: 124085053

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Data for Q3 2011

Institution Statistics Woodlands Commercial Bank FDIC Certificate # 58009 BankRate Report View Year Established 2005 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $1.57 billion Loans $452.72 million Deposits $650.52 million Equity Capital $887.80 million Unbacked Noncurrent Loans $18.88 million Historic Data - September 2010 Assets $2.85 billion Equity Capital $757.07 million Loan Loss Allowance $2.65 million Unbacked Noncurrent Loans $11.25 million Real Estate Owned $3.78 million Profit Margin - Quarterly Net Interest Margin -0.48% Return on Assets 1.53% Return on Equity 3.76% Interest Income $22.22 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 September 30, 2011 Woodlands Commercial Bank had $18.88 million in non-current loans and owned real-estate with $887.8 million in equity and loan loss allowances on hand to cover it. This gives Woodlands Commercial Bank a Texas Ratio of 2.13% 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 Woodlands Commercial Bank held steady from 1.98% as of September 30, 2010 to 2.13% as of September 30, 2011, resulting in a negative change of 7.51%. This indicates that the balance sheet and financial strength for Woodlands Commercial Bank has held steady in recent periods. Deposit Growth In the past year, Woodlands Commercial Bank has decreased its total deposits by -$1.31 billion, resulting in -66.84% 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 Woodlands Commercial 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. Woodlands Commercial Bank has $1.57 billion in assets with $887.8 million in equity, resulting in a capitalization level of 56.54%, which is excellent.

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