Capstone Bank

Capstone Bank is headquartered in Tuscaloosa and is the 22^nd largest bank in the state of Alabama. It is also the 1,734^th largest bank in the nation. It was established in 1978 and as of December of 2011, it had grown to 96 employees at 8 locations. Capstone Bank has a 5-star health rating.

Data for Q4 2011

Institution Statistics Capstone Bank FDIC Certificate # 22769 BankRate Report View Year Established 1978 Employees 96 Primary Regulator FDIC Assets and Liabilities Assets $382.01 million Loans $295.49 million Deposits $327.38 million Equity Capital $42.28 million Loan Loss Allowance $3.74 million Unbacked Noncurrent Loans $2.08 million Real Estate Owned $168,000 Historic Data - December 2010 Assets $356.91 million Equity Capital $38.89 million Loan Loss Allowance $3.12 million Unbacked Noncurrent Loans $1.41 million Real Estate Owned $148,000 Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.77% Return on Equity 7.12% Interest Income $18.12 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 Capstone Bank had $2.25 million in non-current loans and owned real-estate with $46.02 million in equity and loan loss allowances on hand to cover it. This gives Capstone Bank a Texas Ratio of 4.89% 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 Capstone Bank held steady from 3.71% as of December 31, 2010 to 4.89% as of December 31, 2011, resulting in a negative change of 31.79%. This indicates that the balance sheet and financial strength for Capstone Bank has held steady in recent periods. Deposit Growth In the past year, Capstone Bank has increased its total deposits by $26.21 million, resulting in 8.7% 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 Capstone 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. Capstone Bank has $382.01 million in assets with $46.02 million in equity, resulting in a capitalization level of 12.05%, which is excellent.

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