Capital Bank of New Jersey

Capital Bank of New Jersey is headquartered in Vineland and is the 72^nd largest bank in the state of New Jersey. It is also the 2,627^th largest bank in the nation. It was established in 2007 and as of December of 2011, it had grown to 53 employees at 4 locations. Capital Bank of New Jersey has a 5-star health rating.

Capital Bank of New Jersey Routing Number: 031207937

Data for Q4 2011

Institution Statistics Capital Bank of New Jersey FDIC Certificate # 58464 BankRate Report View Year Established 2007 Employees 53 Primary Regulator FDIC Assets and Liabilities Assets $242.17 million Loans $157.00 million Deposits $213.79 million Equity Capital $25.90 million Loan Loss Allowance $2.63 million Unbacked Noncurrent Loans $340,000 Historic Data - December 2010 Assets $203.08 million Equity Capital $23.68 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $500,000 Real Estate Owned $201,000 Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 0.61% Return on Equity 5.49% Interest Income $10.37 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 Capital Bank of New Jersey had $340,000 in non-current loans and owned real-estate with $28.53 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank of New Jersey a Texas Ratio of 1.19% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Capital Bank of New Jersey decreased significantly from 2.75% as of December 31, 2010 to 1.19% as of December 31, 2011, resulting in a positive change of 56.68%.This indicates that the balance sheet and financial strength for Capital Bank of New Jersey has improved significantly in recent periods. Deposit Growth In the past year, Capital Bank of New Jersey has increased its total deposits by $42.35 million, resulting in 24.7% 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 of New Jersey 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. Capital Bank of New Jersey has $242.17 million in assets with $28.53 million in equity, resulting in a capitalization level of 11.78%, which is above average.

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