The Capital Bank

The Capital Bank is headquartered in Little Rock and is the 74^th largest bank in the state of Arkansas. It is also the 3,788^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 13 employees at 1 location. The Capital Bank has a 3-star health rating.

The Capital Bank Routing Number: 082008583

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Data for Q1 2012

Institution Statistics The Capital Bank FDIC Certificate # 34562 BankRate Report View Year Established 1997 Employees 13 Primary Regulator FED Assets and Liabilities Assets $155.00 million Loans $53.91 million Deposits $113.03 million Equity Capital $17.27 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $567,000 Real Estate Owned $4.12 million Historic Data - March 2011 Assets $163.66 million Equity Capital $16.02 million Loan Loss Allowance $2.14 million Unbacked Noncurrent Loans $894,000 Real Estate Owned $6.01 million Profit Margin - Quarterly Net Interest Margin 3.01% Return on Assets 0.08% Return on Equity 0.72% Interest Income $1.59 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 March 31, 2012 The Capital Bank had $4.69 million in non-current loans and owned real-estate with $19.04 million in equity and loan loss allowances on hand to cover it. This gives The Capital Bank a Texas Ratio of 24.64% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Capital Bank decreased slightly from 38.02% as of March 31, 2011 to 24.64% as of March 31, 2012, resulting in a positive change of 35.20%.This indicates that the balance sheet and financial strength for The Capital Bank has improved slightly in recent periods. Deposit Growth In the past year, The Capital Bank has decreased its total deposits by -$7.59 million, resulting in -6.29% 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 The 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. The Capital Bank has $155 million in assets with $19.04 million in equity, resulting in a capitalization level of 12.28%, which is excellent.

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