Western Capital Bank

1750 Front Street
Boise, ID 83702
www.westerncapitalbank.com

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Western Capital Bank is headquartered in Boise and is the 13^st largest bank in the state of Idaho. It is also the 4,013^st largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 22 employees at 1 location. Western Capital Bank has a 5-star health rating.

Western Capital Bank Routing Number: 124103922

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See Rates for: Checking | Money Market | CD

Western Capital Bank Checking Account Rates

Apy	Min	Max	Product
0.40%	$10k	-	Personal Online Checking
0.05%	$250	-	Personal Interest Checking
0.05%	$500	-	Business Interest Checking

Western Capital Bank Money Market Rates

Apy	Min	Max	Product
0.40%	$250k	-	Personal Money Market
0.40%	$250k	-	Capital Business Money Market
0.40%	$250k	-	Capital Community Money Market

Western Capital Bank CD Rates

Apy	Min	Max	Product
1.46%	$100k	-	60 Month Personal Jumbo CD
1.36%	$1k	-	60 Month CD
1.16%	$100k	-	48 Month Personal Jumbo CD
1.06%	$1k	-	48 Month CD
0.85%	$100k	-	36 Month Personal Jumbo CD
0.75%	$1k	-	36 Month CD
0.65%	$100k	-	24 Month Personal Jumbo CD
0.65%	$100k	-	30 Month Personal Jumbo CD
0.55%	$1k	-	24 Month CD
0.55%	$1k	-	30 Month CD
0.55%	$100k	-	12 Month Personal Jumbo CD
0.55%	$100k	-	18 Month Personal Jumbo CD
0.55%	$100k	-	18 Month Capital Business Jumbo CD
0.53%	$1m	-	15 Month Freedom CD
0.50%	$100k	-	12 Month Capital Business Jumbo CD
0.49%	$25k	-	12 Month Advantage CD
0.45%	$1k	-	18 Month CD
0.45%	$1k	-	18 Month Capital Business CD
0.40%	$1k	-	12 Month CD
0.40%	$1k	-	12 Month Capital Business CD
0.30%	$100k	-	6 Month Personal Jumbo CD
0.30%	$100k	-	6 Month Capital Business Jumbo CD
0.25%	$100k	-	60 Month Personal Jumbo CD
0.25%	$100k	-	90 Day Personal Jumbo CD
0.25%	$100k	-	30 Day Capital Business Jumbo CD
0.25%	$100k	-	60 Day Capital Business Jumbo CD
0.25%	$100k	-	90 Day Capital Business Jumbo CD
0.20%	$1k	-	6 Month CD
0.20%	$1k	-	6 Month Capital Business CD
0.15%	$1k	-	30 Day CD
0.15%	$1k	-	60 Day CD
0.15%	$1k	-	90 Day CD
0.15%	$1k	-	30 Day Capital Business CD
0.15%	$1k	-	60 Day Capital Business CD
0.15%	$1k	-	90 Day Capital Business CD
0.15%	$25k	-	30 Days Capital Community (Public Funds) CD
0.15%	$100k	-	60 Day Personal Jumbo CD

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Western Capital Bank
FDIC Certificate #	58752
BankRate Report	View
Year Established	2008
Employees	22
Primary Regulator	FDIC
Assets and Liabilities
Assets	$142.12 million
Loans	$79.92 million
Deposits	$107.78 million
Equity Capital	$33.98 million
Loan Loss Allowance	$1.11 million
Historic Data - March 2011
Assets	$93.90 million
Equity Capital	$32.26 million
Loan Loss Allowance	$774,000
Unbacked Noncurrent Loans	$6,000
Profit Margin - Quarterly
Net Interest Margin	3.3%
Return on Assets	3.64%
Return on Equity	16.41%
Interest Income	$1.36 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 Western Capital Bank had $0 in non-current loans and owned real-estate with $35.09 million in equity and loan loss allowances on hand to cover it. This gives Western Capital Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Western Capital Bank has increased its total deposits by $46.29 million, resulting in 75.29% 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 Western Capital Bank 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. Western Capital Bank has $142.12 million in assets with $35.09 million in equity, resulting in a capitalization level of 24.69%, which is excellent.

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