Capitol Bank

710 North High Point Road
Madison, WI 53717
608-836-1616
www.capitolbank.com

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Capitol Bank is headquartered in Madison and is the 76^th largest bank in the state of Wisconsin. It is also the 2,331^st largest bank in the nation. It was established in 1995 and as of December of 2011, it had grown to 40 employees at 14 locations. Capitol Bank has a 5-star health rating.

Capitol Bank Routing Number: 075912806

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

Capitol Bank Checking Account Rates

	Apy	Min	Max	Product
	0.03%	-	-	Capitol Plus Checking

Capitol Bank Savings Account Rates

Apy	Min	Max	Product
0.15%	$15k	-	Health Savings
0.10%	$10k	-	Community Savings
0.05%	-	-	Capitol Savings
0.05%	-	-	Cappy "Minor" Savings

Capitol Bank Money Market Rates

	Apy	Min	Max	Product
	0.10%	$25k	-	Money Market Investment Account

Capitol Bank CD Rates

Apy	Min	Max	Product
1.15%	$1k	-	60 Month CD
1.15%	$1k	-	60 Month HSA
1.15%	$2,500	-	41 Month CD Special (New Money)
1.15%	$2,500	-	41 Month HSA Special (New Money)
0.90%	$1k	-	48 Month CD
0.90%	$1k	-	48 Month HSA
0.90%	$2,500	-	31 Month CD Special (New Money)
0.90%	$2,500	-	31 Month HSA Special (New Money)
0.65%	$1k	-	36 Month CD
0.65%	$1k	-	36 Month HSA
0.60%	$2,500	-	21 Month CD Special (New Money)
0.60%	$2,500	-	21 Month HSA Special (New Money)
0.45%	$2,500	-	11 Month CD Special (New Money)
0.45%	$2,500	-	11 Month HSA Special (New Money)
0.40%	$1k	-	24 Month CD
0.40%	$1k	-	24 Month HSA
0.25%	$1k	-	18 Month CD
0.25%	$1k	-	18 Month HSA
0.20%	$1k	-	12 Month CD
0.20%	$1k	-	12 Month HSA
0.10%	$1k	-	91 Day CD
0.10%	$1k	-	182 Day CD
0.10%	$1k	-	91 Day HSA
0.10%	$1k	-	182 Day HSA

Capitol Bank IRA Rates

Apy	Min	Max	Product
1.15%	$1k	-	60 Month IRA
1.15%	$2,500	-	41 Month IRA Special (New Money)
0.90%	$1k	-	48 Month IRA
0.90%	$2,500	-	31 Month IRA Special (New Money)
0.65%	$1k	-	36 Month IRA
0.60%	$2,500	-	21 Month IRA Special (New Money)
0.45%	$2,500	-	11 Month IRA Special (New Money)
0.40%	$1k	-	24 Month IRA
0.25%	$1k	-	18 Month IRA
0.20%	$1k	-	12 Month IRA
0.10%	$1k	-	91 Day IRA
0.10%	$1k	-	182 Day IRA

Rates updated: 5/23/2012

Data for Q4 2011

Institution Statistics

Capitol Bank
FDIC Certificate #	34074
BankRate Report	View
Year Established	1995
Employees	40
Primary Regulator	FDIC
Assets and Liabilities
Assets	$275.35 million
Loans	$179.57 million
Deposits	$234.88 million
Equity Capital	$23.52 million
Loan Loss Allowance	$5.05 million
Unbacked Noncurrent Loans	$1.03 million
Historic Data - December 2010
Assets	$253.22 million
Equity Capital	$20.37 million
Loan Loss Allowance	$3.93 million
Unbacked Noncurrent Loans	$1.82 million
Real Estate Owned	$140,000
Profit Margin - Quarterly
Net Interest Margin	4.02%
Return on Assets	1.05%
Return on Equity	12.14%
Interest Income	$11.78 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 Capitol Bank had $1.03 million in non-current loans and owned real-estate with $28.57 million in equity and loan loss allowances on hand to cover it. This gives Capitol Bank a Texas Ratio of 3.59% 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 Capitol Bank decreased significantly from 8.06% as of December 31, 2010 to 3.59% as of December 31, 2011, resulting in a positive change of 55.43%.This indicates that the balance sheet and financial strength for Capitol Bank has improved significantly in recent periods.
Deposit Growth
In the past year, Capitol Bank has increased its total deposits by $20.19 million, resulting in 9.4% 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 Capitol Bank 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. Capitol Bank has $275.35 million in assets with $28.57 million in equity, resulting in a capitalization level of 10.38%, which is above average.

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