World Financial Capital Bank

World Financial Capital Bank is headquartered in Salt Lake City and is the 22^nd largest bank in the state of Utah. It is also the 915^st largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 10 employees at 1 location. World Financial Capital Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics World Financial Capital Bank FDIC Certificate # 57570 BankRate Report View Year Established 2003 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $726.86 million Loans $636.90 million Deposits $372.42 million Equity Capital $108.73 million Loan Loss Allowance $53.74 million Unbacked Noncurrent Loans $12.53 million Historic Data - March 2011 Assets $588.52 million Equity Capital $78.51 million Loan Loss Allowance $44.94 million Unbacked Noncurrent Loans $11.16 million Profit Margin - Quarterly Net Interest Margin 26.43% Return on Assets 8.05% Return on Equity 54.84% Interest Income $44.03 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 World Financial Capital Bank had $12.53 million in non-current loans and owned real-estate with $162.47 million in equity and loan loss allowances on hand to cover it. This gives World Financial Capital Bank a Texas Ratio of 7.71% 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 World Financial Capital Bank held steady from 9.04% as of March 31, 2011 to 7.71% as of March 31, 2012, resulting in a positive change of 14.66%.This indicates that the balance sheet and financial strength for World Financial Capital Bank has held steady in recent periods. Deposit Growth In the past year, World Financial Capital Bank has increased its total deposits by $108.09 million, resulting in 40.89% 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 World Financial Capital 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. World Financial Capital Bank has $726.86 million in assets with $162.47 million in equity, resulting in a capitalization level of 22.35%, which is excellent.

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