First Capital Bank

First Capital Bank is headquartered in Kingfisher and is the 196^th largest bank in the state of Oklahoma. It is also the 6,482^nd largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 15 employees at 1 location. First Capital Bank has a 1-star health rating.

First Capital Bank Routing Number: 103100409

Data for Q1 2012

Institution Statistics First Capital Bank FDIC Certificate # 416 BankRate Report View Year Established 1902 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $46.13 million Loans $28.97 million Deposits $44.83 million Equity Capital $1.03 million Loan Loss Allowance $2.18 million Unbacked Noncurrent Loans $8.22 million Real Estate Owned $6.67 million Historic Data - March 2011 Assets $118.96 million Equity Capital $8.47 million Loan Loss Allowance $2.77 million Unbacked Noncurrent Loans $20.60 million Real Estate Owned $2.74 million Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets -4.62% Return on Equity -174.1% Interest Income $475,000

Institution Health Overall Score: 1 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 March 31, 2012 First Capital Bank had $14.89 million in non-current loans and owned real-estate with $3.21 million in equity and loan loss allowances on hand to cover it. This gives First Capital Bank a Texas Ratio of 464.13% 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 First Capital Bank increased slightly from 207.56% as of March 31, 2011 to 464.13% as of March 31, 2012, resulting in a negative change of 123.61%. This indicates that the balance sheet and financial strength for First Capital Bank has declined slightly in recent periods. Deposit Growth In the past year, First Capital Bank has decreased its total deposits by -$62.96 million, resulting in -58.41% 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 First Capital 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. First Capital Bank has $46.13 million in assets with $3.21 million in equity, resulting in a capitalization level of 6.96%, which is below average.

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