CapitalSource Bank

CapitalSource Bank Locations
633 West Fifth Street
Los Angeles, CA 90071
1.888.433.4272
www.capitalsourcebank.com

FDIC
CapitalSource Bank provides a solid, strong and stable option for your money. Their goal is to treat you as an individual and provide you with the personal service you expect with the reliability you depend upon. They go out of their way to make banking with them everything you want it to be. A satisfied customer is just not enough - they want their customers to become their advocates

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Competitive Short-Term CD Rates at CapitalSource Bank - 5/23/2013

CapitalSource Bank continues to offer some competitive short-term CD rates. In addition, it has recently added an online application. Its best CD deals include a 1.01% APY 1-year CD and a 0.80% APY 6- ...

Competitive 1-Year CD Rate at CapitalSource Bank in California - 1/30/2013

CapitalSource Bank is again offering some competitive short-term CDs. The best deal is a 1-year CD with a 1.01% APY. The 18-month CD also has this same yield. The 9-month CD has a 0.85% APY. Minimum d ...

Top Short-Term CD Rates at CapitalSource Bank in California - 8/31/2012

CapitalSource Bank is again offering two promotional short-term CDs with competitive rates. The rates are a little lower than the rates that I reported on in December, but that's no different than any ...

Special Short-Term CD Rates at CapitalSource Bank in California - 12/22/2011

CapitalSource Bank has two promotional short-term CD rates with competitive rates. One has a 1.15% APY with a 11-month term, and the other has a 0.95% APY with a 5-month term. Minimum deposit to quali ...



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

CapitalSource Bank Savings Account Rates

ApyMinMaxProduct
0.75%$10k-IRA Savings
0.60%$100k-Signature Savings
0.30%--Statement Savings

CapitalSource Bank Money Market Rates

ApyMinMaxProduct
0.60%$100k-Signature Money Market
0.25%--Statement Money Market

CapitalSource Bank CD Rates

ApyMinMaxProduct
1.30%$10k-60 Month CD
1.15%$10k-48 Month CD
1.10%$10k-36 Month CD
1.05%$10k-24 Month CD
1.01%$10k-12 Month CD
1.01%$10k-18 Month CD
0.90%$10k-9 Month Promotional CD
0.85%$10k-9 Month CD
0.80%$10k-6 Month CD
0.55%$25k$250k6 Month Liquid CD
0.40%$10k-3 Month CD

CapitalSource Bank IRA Rates

ApyMinMaxProduct
1.30%$500-60 Month IRA
1.15%$500-48 Month IRA
1.10%$500-36 Month IRA
1.05%$500-24 Month IRA
1.01%$500-18 Month IRA
1.01%$500-12 Month IRA
0.85%$500-9 Month IRA
0.80%$500-6 Month IRA
0.40%$500-3 Month IRA

Rates updated: 5/23/2013

Data for Q4 2012


Institution Statistics


CapitalSource Bank
FDIC Certificate #58878
BankRate ReportView
Year Established2008
Employees536
Primary RegulatorFDIC

Assets and Liabilities

Assets$7.37 billion
Loans$5.52 billion
Deposits$5.58 billion
Equity Capital$1.10 billion
Loan Loss Allowance$98.91 million
Unbacked Noncurrent Loans$42.01 million
Real Estate Owned$5.14 million

Historic Data - December 2011

Assets$6.78 billion
Equity Capital$1.05 billion
Loan Loss Allowance$94.65 million
Unbacked Noncurrent Loans$118.39 million
Real Estate Owned$5.90 million

Profit Margin - Quarterly

Net Interest Margin5.34%
Return on Assets1.73%
Return on Equity11.68%
Interest Income$411.06 million

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 December 31, 2012 CapitalSource Bank had $47.15 million in non-current loans and owned real-estate with $1.2 billion in equity and loan loss allowances on hand to cover it. This gives CapitalSource Bank a Texas Ratio of 3.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for CapitalSource Bank decreased significantly from 10.86% as of December 31, 2011 to 3.93% as of December 31, 2012, resulting in a positive change of 63.80%.This indicates that the balance sheet and financial strength for CapitalSource Bank has improved significantly in recent periods.
Deposit Growth5
In the past year, CapitalSource Bank has increased its total deposits by $454.28 million, resulting in 8.86% 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 CapitalSource Bank has shown is excellent.
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. CapitalSource Bank has $7.37 billion in assets with $1.2 billion in equity, resulting in a capitalization level of 16.28%, which is excellent.
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