Capital Bank (MN)

Capital Bank (MN) is headquartered in St. Paul and is the 316^st largest bank in the state of Minnesota. It is also the 6,793^rd largest bank in the nation. It was established in 1956 and as of December of 2011, it had grown to 10 employees at 2 locations. Capital Bank (MN) has a 3-star health rating.

Data for Q4 2011

Institution Statistics Capital Bank FDIC Certificate # 17640 BankRate Report View Year Established 1956 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $36.64 million Loans $10.42 million Deposits $32.50 million Equity Capital $4.03 million Loan Loss Allowance $633,000 Unbacked Noncurrent Loans $551,000 Real Estate Owned $633,000 Historic Data - December 2010 Assets $39.66 million Equity Capital $3.52 million Loan Loss Allowance $725,000 Unbacked Noncurrent Loans $362,000 Real Estate Owned $337,000 Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.59% Return on Equity 5.7% Interest Income $1.56 million

Institution Health Overall Score: 3 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 Capital Bank (MN) had $1.18 million in non-current loans and owned real-estate with $4.66 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank (MN) a Texas Ratio of 25.41% 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 Capital Bank (MN) increased slightly from 16.48% as of December 31, 2010 to 25.41% as of December 31, 2011, resulting in a negative change of 54.22%. This indicates that the balance sheet and financial strength for Capital Bank (MN) has declined slightly in recent periods. Deposit Growth In the past year, Capital Bank (MN) has decreased its total deposits by -$1.08 million, resulting in -3.21% 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 (MN) has shown is below 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. Capital Bank (MN) has $36.64 million in assets with $4.66 million in equity, resulting in a capitalization level of 12.71%, which is excellent.

No reviews have been left for this bank yet. Be the first to review.