This is one of the areas in which Capital Bank operates that was covered and compared to the competition.
What is 1-4 family residential or farmland or commercial and industry loans
100
Capital Bank traditionally acquires these types of banks
What is troubled
100
This measures the amount of risk
What is Beta
200
This is the region Capital Bank operates
What is the Southeastern region
200
This was the ROA for Capital Bank in 2014
What is .75%
200
This area of operation saw a 2% decrease in the past 5 years.
What is farmland
200
This risk addressed prevents people from saving.
What are low interest rates
200
This is the calculated beta
What is .27
300
This is the number of states Capital Bank operates in
What is 5 states
300
This was the ROE for Capital Bank in 2014
What is 4.79%
300
This area of operation saw a 90% increase over the last 5 years.
What is Commercial and Industry loans.
300
Lack of deposits can prevent Capital Bank from extending this.
What is additional loans
300
This is the percentage that Capital Bank is dependent on the market
What is 2%
400
This is where Capital Bank's corporate headquarters are located.
What is Raleigh, North Carolina
400
This formula is used to calculate the quick ratio
What is assets-liabilities/inventory
400
This area of operation saw a 20% decrease in the last 5 years.
What is 1-4 family residential
400
Increasing this through higher pricing of services and underwriting, leaves Capital Bank at risk of having customers go elsewhere for their banking needs.
What is Return on Equity (ROE)
400
Trading securities totaled this amount as of December 31, 2014.
What is $2.4 million
500
This is the number of branches Capital Bank has in operation.
What is 153 branches
500
This is the formula for calculating ROE
What is Net Income/ Equity
500
These are the areas of operation focused on during the peer review.
What is 1-4 family residential, farmland and commercial and industrial loans.
500
These are the three specific risks addressed
What is acquisition of troubled banks, low interest rates, customers looking elsewhere for banking needs
500
These are the three sites that our beta was compared to