Institution Statistics
| 1st Capital Bank | | FDIC Certificate # | 58485 | | BankRate Report | View | | Year Established | 2007 | | Employees | 53 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $288.32 million | | Loans | $197.26 million | | Deposits | $255.58 million | | Equity Capital | $31.81 million | | Loan Loss Allowance | $3.32 million | | Unbacked Noncurrent Loans | $344,000 |
Historic Data - December 2010 | | Assets | $226.83 million | | Equity Capital | $28.47 million | | Loan Loss Allowance | $2.72 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.44% | | Return on Assets | 1.31% | | Return on Equity | 10.32% | | Interest Income | $11.15 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 December 31, 2011 1st Capital Bank had $344,000 in non-current loans and owned real-estate with $35.13 million in equity and loan loss allowances on hand to cover it. This gives 1st Capital Bank a Texas Ratio of 0.98% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth | | | In the past year, 1st Capital Bank has increased its total deposits by $58.31 million, resulting in 29.56% 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 1st 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. 1st Capital Bank has $288.32 million in assets with $35.13 million in equity, resulting in a capitalization level of 12.19%, which is excellent. |
|
