Capmark Bank

Capmark Bank is headquartered in Midvale and is the 13^st largest bank in the state of Utah. It is also the 150^th largest bank in the nation. It was established in 2003 and as of December of 2011, it had grown to 114 employees at 1 location. Capmark Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics Capmark Bank FDIC Certificate # 57529 BankRate Report View Year Established 2003 Employees 114 Primary Regulator FDIC Assets and Liabilities Assets $6.16 billion Loans $2.89 billion Deposits $3.86 billion Equity Capital $1.83 billion Unbacked Noncurrent Loans $715.12 million Real Estate Owned $191.46 million Historic Data - December 2010 Assets $8.82 billion Equity Capital $1.61 billion Loan Loss Allowance $257.18 million Unbacked Noncurrent Loans $1.36 billion Real Estate Owned $258.29 million Profit Margin - Quarterly Net Interest Margin 0.47% Return on Assets -0.14% Return on Equity -0.55% Interest Income $37.40 million

Institution Health Overall Score: 3 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 Capmark Bank had $906.58 million in non-current loans and owned real-estate with $1.83 billion in equity and loan loss allowances on hand to cover it. This gives Capmark Bank a Texas Ratio of 49.63% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Capmark Bank decreased significantly from 86.40% as of December 31, 2010 to 49.63% as of December 31, 2011, resulting in a positive change of 42.56%.This indicates that the balance sheet and financial strength for Capmark Bank has improved significantly in recent periods. Deposit Growth In the past year, Capmark Bank has decreased its total deposits by -$2.3 billion, resulting in -37.31% 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 Capmark Bank has shown is poor. 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. Capmark Bank has $6.16 billion in assets with $1.83 billion in equity, resulting in a capitalization level of 29.64%, which is excellent.

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