Capital Bank (TX)

Capital Bank (TX) is headquartered in Jacinto City and is the 192^nd largest bank in the state of Texas. It is also the 2,417^st largest bank in the nation. It was established in 1965 and as of December of 2011, it had grown to 73 employees at 6 locations. Capital Bank (TX) has a 5-star health rating.

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Data for Q4 2011

Institution Statistics Capital Bank FDIC Certificate # 19401 BankRate Report View Year Established 1965 Employees 73 Primary Regulator FDIC Assets and Liabilities Assets $264.76 million Loans $201.71 million Deposits $236.31 million Equity Capital $23.88 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $218,000 Real Estate Owned $609,000 Historic Data - December 2010 Assets $251.20 million Equity Capital $22.11 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $500,000 Real Estate Owned $322,000 Profit Margin - Quarterly Net Interest Margin 4.54% Return on Assets 0.8% Return on Equity 9.15% Interest Income $12.92 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 (TX) had $827,000 in non-current loans and owned real-estate with $25.96 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank (TX) a Texas Ratio of 3.19% 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 (TX) held steady from 3.41% as of December 31, 2010 to 3.19% as of December 31, 2011, resulting in a positive change of 6.58%.This indicates that the balance sheet and financial strength for Capital Bank (TX) has held steady in recent periods. Deposit Growth In the past year, Capital Bank (TX) has increased its total deposits by $15.72 million, resulting in 7.13% 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 (TX) 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 (TX) has $264.76 million in assets with $25.96 million in equity, resulting in a capitalization level of 9.81%, which is average.

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