Capital Bank, National Association

Capital Bank, National Association is headquartered in Miami and is the 5^th largest bank in the state of Florida. It is also the 146^th largest bank in the nation. It was established in 2010 and as of December of 2011, it had grown to 1,477 employees at 152 locations. Capital Bank, National Association has a 4-star health rating.

Data for Q4 2011

Institution Statistics Capital Bank, National Association FDIC Certificate # 59049 BankRate Report View Year Established 2010 Employees 1477 Primary Regulator OCC Assets and Liabilities Assets $6.45 billion Loans $4.29 billion Deposits $5.14 billion Equity Capital $938.02 million Loan Loss Allowance $27.84 million Unbacked Noncurrent Loans $392.47 million Real Estate Owned $122.23 million Historic Data - December 2010 Assets $1.20 billion Equity Capital $157.03 million Loan Loss Allowance $350,000 Unbacked Noncurrent Loans $195,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 0.37% Return on Equity 2.78% Interest Income $219.72 million

Institution Health Overall Score: 4 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 Capital Bank, National Association had $514.7 million in non-current loans and owned real-estate with $965.85 million in equity and loan loss allowances on hand to cover it. This gives Capital Bank, National Association a Texas Ratio of 53.29% 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 Capital Bank, National Association decreased slightly from 87.65% as of December 31, 2010 to 53.29% as of December 31, 2011, resulting in a positive change of 39.20%.This indicates that the balance sheet and financial strength for Capital Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Capital Bank, National Association has increased its total deposits by $4.24 billion, resulting in 474.82% 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 Capital Bank, National Association 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. Capital Bank, National Association has $6.45 billion in assets with $965.85 million in equity, resulting in a capitalization level of 14.98%, which is excellent.

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