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. |
|