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Capital Bank and Trust Company

Capital Bank and Trust Company
Overview / Commentary
6455 Irvine Center Drive
Irvine, CA 92618

Capital Bank and Trust Company is headquartered in Irvine and is the 205th largest bank in the state of California. It is also the 5,071st largest bank in the nation. It was established in 2000 and as of March of 2014, it had grown to 198 employees at 1 location. Capital Bank and Trust Company has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+
Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Capital Bank and Trust Company has a relatively low asset base.

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Capital Bank and Trust Company had $0 in non-current loans and owned real-estate with $38.1 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank and Trust Company a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
C+

In the past year, Capital Bank and Trust Company has increased its total deposits by $0, resulting in 0% 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 Capital Bank and Trust Company has shown is average.

Capitalization

GRADE:
A+

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. Capital Bank and Trust Company has $85.86 million in assets with $38.1 million in equity, resulting in a capitalization level of 44.38%, which is excellent.

Institution Statistics

Overall
FDIC Certificate #35164
Year Established2000
Employees198
Primary RegulatorOCC
Assets and Liabilities
Assets$85.86 million
Loans$0
Deposits$500,000
Equity Capital$38.10 million
Loan Loss Allowance$0
Real Estate Owned$0
Historic Data - March 2013
Assets$85.56 million
Equity Capital$37.19 million
Loan Loss Allowance$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.09%
Return on Assets14.87%
Return on Equity39.07%
Interest Income$374,000
Rates

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Locations


Capital Bank and Trust Company Locations
Capital Bank and Trust Company6455 Irvine Center DriveIrvine, CA 92618