LCA Bank Corporation in Park City, Utah (UT)
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Table of contents:
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 7 |
| Total assets | $67,343 |
| Cash and due from depository institutions | $538 |
| Interest-bearing balances | $0 |
| Securities | $488 |
| Federal funds sold & reverse repurchase agreements | $3,304 |
| Net loans & leases | $62,721 |
| Loan loss allowance | $1,771 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $7 |
| Other real estate owned | $0 |
| Goodwill and other intangibles | $0 |
| All other assets | $285 |
| Life insurance assets | $67,343 |
| Total liabilities and capital | $55,992 |
| Total liabilities | $52,339 |
| Total deposits | $51,946 |
| Interest-bearing deposits | $52,339 |
| Deposits held in domestic offices | $100 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $452 |
| Other borrowed funds | $0 |
| Subordinated debt | $3,201 |
| All other liabilities | $11,351 |
| Total equity capital | $11,351 |
| Total bank equity capital | $11,351 |
| Perpetual preferred stock | $2,727 |
| Common stock | $1 |
| Surplus | $4,999 |
| Undivided profits | $3,624 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $27 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $12 |
| Average Assets, year-to-date | $66,513 |
| Average Assets, quarterly | $2,602 |
| Volatile liabilities | $64,170 |
| Insider loans | $67,772 |
| FHLB advances | $64,867 |
| Loans and leases held for sale | $68,241 |
| Unused loan commitments | $0 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $11,351 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $165 |
| Derivatives | $0 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $8,190 |
| Total interest expense | $1,117 |
| Net interest income | $7,073 |
| Provision for loan and lease losses | $389 |
| Total noninterest income | $223 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $0 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $223 |
| Total noninterest expense | $3,318 |
| Salaries and employee benefits | $373 |
| Premises and equipment expense | $42 |
| Additional noninterest expense | $2,903 |
| Pre-tax net operating income | $3,589 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $1,362 |
| Income before extraordinary items | $2,227 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $2,227 |
| Net charge-offs | $0 |
| Cash dividends | $2,227 |
| Sale, conversion, retirement of capital stock, net | $344 |
| Net operating income | $793 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 12.95% |
| Cost of funding earning assets | 1.77% |
| Net interest margin | 11.18% |
| Noninterest income to earning assets | 0.35% |
| Noninterest expense to earning assets | 5.25% |
| Net operating income to assets | 3.47% |
| Return on assets (ROA) | 3.47% |
| Pretax return on assets | 5.59% |
| Return on equity (ROE) | 24.56% |
| Retained earnings to average equity (YTD only) | 15.82% |
| Net charge-offs to loans | 0.57% |
| Credit loss provision to net charge-offs | 113.08% |
| Efficiency ratio | 11.56% |
| Assets per employee | $45,477 |
| Cash dividends to net income (YTD only) | 9.62% |
| Condition Ratios (%) | |
| Loss allowance to loans | 35.61% |
| Loss allowance to noncurrent loans | 2.75% |
| Noncurrent assets plus other real estate owned to assets | 6559.26% |
| Noncurrent loans to loans | 0.04% |
| Net loans and leases to deposits | 0.04% |
| Net loans and leases to core deposits | 119.84% |
| Equity capital to assets | 14158.24% |
| Core capital (leverage) ratio | 16.86% |
| Tier 1 risk-based capital ratio | 16.63% |
| Total risk-based capital ratio | 17.50% |
| Memoranda | |
| Average assets | $19 |
| Average earning assets | $64,170 |
| Average equity | $9,066 |
| Average loans | $63,258 |
| 1 Utah Branch as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 440523 | Lca Bank Corporation | 1375 Deer Valley Drive, Suite 218, Park City, UT 84060 | January 26, 2006 | Full Service Brick and Mortar |  |
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BankEncyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.