The National Capital Bank of Washington

The National Capital Bank of Washington is headquartered in Washington and is the 2^nd largest bank in the state of District of Columbia. It is also the 1,715^st largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 49 employees at 2 locations. The National Capital Bank of Washington has a 5-star health rating.

Data for Q1 2012

Institution Statistics The National Capital Bank of Washington FDIC Certificate # 2093 BankRate Report View Year Established 1889 Employees 49 Primary Regulator OCC Assets and Liabilities Assets $388.68 million Loans $255.10 million Deposits $330.88 million Equity Capital $40.25 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $1.72 million Historic Data - March 2011 Assets $353.95 million Equity Capital $37.29 million Loan Loss Allowance $1.60 million Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 1.15% Return on Equity 10.87% Interest Income $3.37 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 March 31, 2012 The National Capital Bank of Washington had $1.72 million in non-current loans and owned real-estate with $42.01 million in equity and loan loss allowances on hand to cover it. This gives The National Capital Bank of Washington a Texas Ratio of 4.09% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, The National Capital Bank of Washington has increased its total deposits by $32.97 million, resulting in 11.07% 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 National Capital Bank of Washington 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. The National Capital Bank of Washington has $388.68 million in assets with $42.01 million in equity, resulting in a capitalization level of 10.81%, which is above average.

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