Capitol National Bank

Capitol National Bank is headquartered in Lansing and is the 81^st largest bank in the state of Michigan. It is also the 3,793^rd largest bank in the nation. It was established in 1982 and as of December of 2011, it had grown to 33 employees at 3 locations. Capitol National Bank has a 2-star health rating.

Data for Q4 2011

Institution Statistics Capitol National Bank FDIC Certificate # 24199 BankRate Report View Year Established 1982 Employees 33 Primary Regulator OCC Assets and Liabilities Assets $153.94 million Loans $116.25 million Deposits $142.85 million Equity Capital $10.86 million Loan Loss Allowance $3.68 million Unbacked Noncurrent Loans $12.28 million Real Estate Owned $2.34 million Historic Data - December 2010 Assets $157.61 million Equity Capital $10.47 million Loan Loss Allowance $5.98 million Unbacked Noncurrent Loans $13.38 million Real Estate Owned $3.42 million Profit Margin - Quarterly Net Interest Margin 4.56% Return on Assets 0.25% Return on Equity 3.66% Interest Income $7.75 million

Institution Health Overall Score: 2 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 National Bank had $14.62 million in non-current loans and owned real-estate with $14.54 million in equity and loan loss allowances on hand to cover it. This gives Capitol National Bank a Texas Ratio of 100.54% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Capitol National Bank held steady from 102.69% as of December 31, 2010 to 100.54% as of December 31, 2011, resulting in a positive change of 2.10%.This indicates that the balance sheet and financial strength for Capitol National Bank has held steady in recent periods. Deposit Growth In the past year, Capitol National Bank has decreased its total deposits by -$4.04 million, resulting in -2.75% 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 National Bank has shown is below average. 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 National Bank has $153.94 million in assets with $14.54 million in equity, resulting in a capitalization level of 9.45%, which is average.

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