Cape Bank

225 North Main Street
Cape May Court House, NJ 8210
1-609-399-9500
www.capebanknj.com

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Cape Bank is headquartered in Cape May Court H and is the 23^rd largest bank in the state of New Jersey. It is also the 615^st largest bank in the nation. It was established in 1923 and as of December of 2011, it had grown to 191 employees at 16 locations. Cape Bank has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Cape Bank Checking Account Rates

	Apy	Min	Max	Product
	0.25%	$20k	-	Platinum Checking Account

Cape Bank Savings Account Rates

	Apy	Min	Max	Product
	0.40%	$250k	-	50+ Statement Savings

Cape Bank Money Market Rates

	Apy	Min	Max	Product
	0.40%	$250k	-	Money Market Account

Cape Bank CD Rates

Apy	Min	Max	Product
1.50%	-	-	5 Year CD
1.30%	-	-	4 Year CD
1.15%	-	-	3 Year CD
0.90%	-	-	21 Month CD
0.90%	-	-	2 Year CD
0.90%	-	-	30 Month CD
0.80%	-	-	18 Month CD
0.40%	-	-	1 Year CD
0.40%	-	-	13 Month CD
0.40%	-	-	15 Month CD
0.30%	-	-	182 Day CD
0.30%	-	-	7 Month CD
0.30%	-	-	8 Month CD
0.30%	-	-	9 Month CD
0.30%	-	-	10 Month CD
0.30%	-	-	11 Month CD
0.20%	-	-	91 Day CD
0.10%	-	-	30 Day CD
0.10%	-	-	60 Day CD

Cape Bank IRA Rates

Apy	Min	Max	Product
1.50%	-	-	5 Year IRA
1.50%	-	-	5 Year Roth IRA
1.50%	-	-	5 Year CESA
1.30%	-	-	4 Year IRA
1.30%	-	-	4 Year Roth IRA
1.30%	-	-	4 Year CESA
1.15%	-	-	3 Year IRA
1.15%	-	-	3 Year Roth IRA
1.15%	-	-	3 Year CESA
0.90%	-	-	2 Year IRA
0.90%	-	-	21 Month IRA
0.90%	-	-	30 Month IRA
0.90%	-	-	21 Month Roth IRA
0.90%	-	-	21 Month CESA
0.90%	-	-	2 Year Roth IRA
0.90%	-	-	2 Year CESA
0.90%	-	-	30 Month Roth IRA
0.90%	-	-	30 Month CESA
0.80%	-	-	18 Month IRA
0.80%	-	-	18 Month Roth IRA
0.80%	-	-	18 Month CESA
0.40%	-	-	1 Year IRA
0.40%	-	-	13 Month IRA
0.40%	-	-	15 Month IRA
0.40%	-	-	1 Year Roth IRA
0.40%	-	-	1 Year CESA
0.40%	-	-	13 Month Roth IRA
0.40%	-	-	13 Month CESA
0.40%	-	-	15 Month Roth IRA
0.40%	-	-	15 Month CESA
0.30%	-	-	10 Month IRA
0.30%	-	-	11 Month IRA
0.30%	-	-	182 Day IRA
0.30%	-	-	7 Month IRA
0.30%	-	-	8 Month IRA
0.30%	-	-	9 Month IRA
0.30%	-	-	182 Day Roth IRA
0.30%	-	-	182 Day CESA
0.30%	-	-	7 Month Roth IRA
0.30%	-	-	7 Month CESA
0.30%	-	-	8 Month Roth IRA
0.30%	-	-	8 Month CESA
0.30%	-	-	9 Month Roth IRA
0.30%	-	-	9 Month CESA
0.30%	-	-	10 Month Roth IRA
0.30%	-	-	10 Month CESA
0.30%	-	-	11 Month Roth IRA
0.30%	-	-	11 Month CESA

Rates updated: 5/24/2012

Data for Q4 2011

Institution Statistics

Cape Bank
FDIC Certificate #	28395
BankRate Report	View
Year Established	1923
Employees	191
Primary Regulator	FDIC
Assets and Liabilities
Assets	$1.07 billion
Loans	$724.70 million
Deposits	$777.96 million
Equity Capital	$134.70 million
Loan Loss Allowance	$11.95 million
Unbacked Noncurrent Loans	$31.06 million
Real Estate Owned	$8.35 million
Historic Data - December 2010
Assets	$1.06 billion
Equity Capital	$120.52 million
Loan Loss Allowance	$12.54 million
Unbacked Noncurrent Loans	$43.47 million
Real Estate Owned	$3.26 million
Profit Margin - Quarterly
Net Interest Margin	3.7%
Return on Assets	0.81%
Return on Equity	6.61%
Interest Income	$46.68 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 December 31, 2011 Cape Bank had $39.42 million in non-current loans and owned real-estate with $146.66 million in equity and loan loss allowances on hand to cover it. This gives Cape Bank a Texas Ratio of 26.88% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Cape Bank decreased slightly from 35.11% as of December 31, 2010 to 26.88% as of December 31, 2011, resulting in a positive change of 23.45%.This indicates that the balance sheet and financial strength for Cape Bank has improved slightly in recent periods.
Deposit Growth
In the past year, Cape Bank has increased its total deposits by $21.69 million, resulting in 2.87% 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 Cape Bank has shown is above average.
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. Cape Bank has $1.07 billion in assets with $146.66 million in equity, resulting in a capitalization level of 13.68%, which is excellent.

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