Capital Bank, SSB

Capital Bank, SSB is headquartered in El Paso and is the 315^st largest bank in the state of Texas. It is also the 4,025^th largest bank in the nation. It was established in 1999 and as of December of 2011, it had grown to 35 employees at 2 locations. Capital Bank, SSB has a 5-star health rating.

Data for Q4 2011

Institution Statistics Capital Bank, SSB FDIC Certificate # 35322 BankRate Report View Year Established 1999 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $140.40 million Loans $89.57 million Deposits $82.17 million Equity Capital $35.24 million Loan Loss Allowance $2.31 million Unbacked Noncurrent Loans $5.22 million Real Estate Owned $1.02 million Historic Data - December 2010 Assets $109.30 million Equity Capital $18.01 million Loan Loss Allowance $2.76 million Unbacked Noncurrent Loans $6.36 million Real Estate Owned $2.55 million Profit Margin - Quarterly Net Interest Margin 2.59% Return on Assets -1.4% Return on Equity -6.02% Interest Income $4.75 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, SSB had $6.24 million in non-current loans and owned real-estate with $37.54 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank, SSB a Texas Ratio of 16.62% 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, SSB decreased significantly from 43.29% as of December 31, 2010 to 16.62% as of December 31, 2011, resulting in a positive change of 61.62%.This indicates that the balance sheet and financial strength for Capital Bank, SSB has improved significantly in recent periods. Deposit Growth In the past year, Capital Bank, SSB has increased its total deposits by $19.22 million, resulting in 30.54% 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, SSB 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, SSB has $140.4 million in assets with $37.54 million in equity, resulting in a capitalization level of 26.74%, which is excellent.

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