Capital City Bank (KS)

Capital City Bank (KS) is headquartered in Topeka and is the 30^th largest bank in the state of Kansas. It is also the 1,595^th largest bank in the nation. It was established in 1892 and as of December of 2011, it had grown to 100 employees at 10 locations. Capital City Bank (KS) has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Capital City Bank FDIC Certificate # 16803 BankRate Report View Year Established 1892 Employees 100 Primary Regulator FDIC Assets and Liabilities Assets $414.61 million Loans $237.82 million Deposits $317.18 million Equity Capital $32.98 million Loan Loss Allowance $3.14 million Unbacked Noncurrent Loans $1.21 million Real Estate Owned $6.90 million Historic Data - December 2010 Assets $389.11 million Equity Capital $31.45 million Loan Loss Allowance $3.07 million Unbacked Noncurrent Loans $2.09 million Real Estate Owned $6.07 million Profit Margin - Quarterly Net Interest Margin 3.16% Return on Assets 0.57% Return on Equity 7.17% Interest Income $16.04 million

Institution Health Overall Score: 4 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 City Bank (KS) had $8.11 million in non-current loans and owned real-estate with $36.12 million in equity and loan loss allowances on hand to cover it. This gives Capital City Bank (KS) a Texas Ratio of 22.45% 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 City Bank (KS) held steady from 23.64% as of December 31, 2010 to 22.45% as of December 31, 2011, resulting in a positive change of 5.05%.This indicates that the balance sheet and financial strength for Capital City Bank (KS) has held steady in recent periods. Deposit Growth In the past year, Capital City Bank (KS) has increased its total deposits by $22.36 million, resulting in 7.59% 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 City Bank (KS) 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 City Bank (KS) has $414.61 million in assets with $36.12 million in equity, resulting in a capitalization level of 8.71%, which is average.

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