Institution Statistics
| Capital Bank of Texas | | FDIC Certificate # | 57495 | | BankRate Report | View | | Year Established | 2003 | | Employees | 22 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $54.03 million | | Loans | $19.98 million | | Deposits | $45.71 million | | Equity Capital | $7.57 million | | Loan Loss Allowance | $223,000 |
Historic Data - December 2010 | | Assets | $48.58 million | | Equity Capital | $7.19 million | | Loan Loss Allowance | $224,000 |
Profit Margin - Quarterly | | Net Interest Margin | 2.87% | | Return on Assets | 0.79% | | Return on Equity | 5.66% | | Interest Income | $1.55 million |
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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 Texas had $0 in non-current loans and owned real-estate with $7.79 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank of Texas 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 | | | In the past year, Capital Bank of Texas has increased its total deposits by $4.55 million, resulting in 11.05% 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 Texas 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 Texas has $54.03 million in assets with $7.79 million in equity, resulting in a capitalization level of 14.42%, which is excellent. |
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