Capital One, National Association

Capital One, National Association Locations
1680 Capital One Drive
Mclean, VA 22102
(703) 448-3747
www.capitalone.com



Capital One, National Association is headquartered in Mclean and is the 2nd largest bank in the state of Virginia. It is also the 14st largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 21,045 employees at 981 locations. Capital One, National Association's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

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2011




See Rates for: Checking | Savings | Money Market | CD

Capital One, National Association Checking Account Rates

ApyMinMaxProduct
1.00%-$100kHigh Yield Free Checking
0.90%$10k$100kClear Interest Business Checking
0.50%$10k$100kClear Interest Business Checking - LA
0.05%--Clear Interest Business Checking - Fewer Transactions

Capital One, National Association Savings Account Rates

ApyMinMaxProduct
0.60%--Smart Savings
0.10%$300-Small Business Savings

Capital One, National Association Money Market Rates

ApyMinMaxProduct
0.45%$25k$500kSmall Business Clear Advantage Money Market

Capital One, National Association CD Rates

ApyMinMaxProduct
0.75%$1k-5 Year CD
0.65%$1k-4 Year CD
0.50%$1k-Small Business 5 Year Flex CD
0.45%$1k-3 Year CD
0.30%$1k-Small Business 2 Year CD
0.20%$1k-18 Month CD
0.20%$1k-2 Year CD
0.20%$1k-Small Business 6 Month CD
0.20%$1k-Small Business 1 Year CD
0.20%$1k-Small Business 18 Month CD
0.15%$1k-1 Year CD
0.15%$1k-Small Business 18 Month Flex CD
0.15%$1k-Small Business 2 Year Flex CD
0.10%$1k-6 Month CD

Rates updated: 5/24/2012

Data for Q1 2012


Institution Statistics


Capital One, National Association
FDIC Certificate #4297
BankRate ReportView
Year Established1933
Employees21045
Primary RegulatorOCC

Assets and Liabilities

Assets$133.00 billion
Loans$77.21 billion
Deposits$102.01 billion
Equity Capital$25.45 billion
Loan Loss Allowance$1.52 billion
Unbacked Noncurrent Loans$1.55 billion
Real Estate Owned$159.99 million

Historic Data - March 2011

Assets$128.74 billion
Equity Capital$24.52 billion
Loan Loss Allowance$1.71 billion
Unbacked Noncurrent Loans$2.43 billion
Real Estate Owned$245.99 million

Profit Margin - Quarterly

Net Interest Margin5.17%
Return on Assets0.74%
Return on Equity3.91%
Interest Income$1.53 billion

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 March 31, 2012 Capital One, National Association had $1.71 billion in non-current loans and owned real-estate with $26.97 billion in equity and loan loss allowances on hand to cover it. This gives Capital One, National Association a Texas Ratio of 6.33% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for Capital One, National Association decreased slightly from 9.90% as of March 31, 2011 to 6.33% as of March 31, 2012, resulting in a positive change of 36.10%.This indicates that the balance sheet and financial strength for Capital One, National Association has improved slightly in recent periods.
Deposit Growth4
In the past year, Capital One, National Association has increased its total deposits by $3.72 billion, resulting in 3.78% 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 One, National Association has shown is above average.
Capitalization5
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 One, National Association has $133 billion in assets with $26.97 billion in equity, resulting in a capitalization level of 20.27%, which is excellent.
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