# CAPITALSOURCE BANK
LOS ANGELES, CA · FDIC certificate 58878 · asset band $1-10B · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $8.29B | |
| Deposits | $6.23B | |
| Loans and leases | $6.97B | |
| Total equity | $1.27B | |
| Loans / deposits | 110.09% (p95 of band) | 80.83% |
| Liquid assets / assets | 11.52% (p6 of band) | |
| Uninsured deposits / deposits | 7.00% (p10 of band) | 22.76% |
| Brokered deposits | 0.48% | |
| Wholesale funding | 9.11% (p55 of band) | |
| FHLB advances / assets | 8.63% | |
| Tier 1 leverage | 14.06% (p93 of band) | 9.78% |
| Unrealized securities loss / equity | 0.21% (p63 of band) | -0.17% |
| AOCI / equity | 0.16% (p25 of band) | |
| ROA (annualized) | 1.81% (p93 of band) | 0.87% |
| Net interest margin | 4.86% (p95 of band) | 3.48% |
| Efficiency ratio | 36.74% (p3 of band) | |
| Noncurrent loans | 0.97% (p45 of band) | 1.07% |
| Net charge-offs (annualized) | 0.29% (p89 of band) | |
| Reserve coverage of noncurrent | 159.17% | |
| Real estate % of loans | 43% | |
| Construction % of loans | 5.16% (p13 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $239.3M (19% of equity) (p96 of band) | |
| Deposits YoY | 8.7% | |
| Employees | 482 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 0 |  | reserve under noncurrent |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | loans exceed deposits, uninsured deposits leaving |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | uninsured deposits leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2013-07-23 [PacWest to acquire CapitalSource in $2.3-billion L.A. bank merger - Los Angeles Times](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQdzFJSE94cjE1Z284Y3NKZEd3NkJyWFctd0k5b05BS1RrTWtBUl9hc0Q1SjZaTG1fVDN0VmRKVERpQkZnd2NRVS1XWEY5MUtSOGFiV2x5NWVsZXlhYldsZXJ0S3R2OFQtbVZ0dXk2MGhFdjhQaTFTN195UENBS1R5RThDcGl0WVgwUnIw?oc=5) · Los Angeles Times
- 2013-07-23 [CapitalSource purchase will create large Calif. bank - The Washington Post](https://news.google.com/rss/articles/CBMi7wFBVV95cUxQZ2hYRlMtVkF0cUE2YW5LOXZQWXhndFlia050TlVtcGRqbzdfVHg0S1NhMGVpcWNEbTZFWXhwczlKUzltQ24yZXFGSXYySFFiUWdlcEQ4QzJMc2pQQzFnc0M3RVgxQzBYS0J2M0k0V1J5bzF2SWlmVDZCNkNpRi1Scjd6MWZsSmZwY3h6dm9qZDNPd2NGSmpvYkRKT0w3MVFXVjVsODFzUE9Ic2tHUXY3ckU2VXBxMUczSTBsSzB4M2tobmc5LXROZmNkNXBKQ1pxVUQtc3RSSVRoU1EzR1VPbmFjYkZZMk9LMF9rS3h6TQ?oc=5) · The Washington Post
- 2022-02-15 [Who are banking's longest-tenured CEOs? - American Banker](https://news.google.com/rss/articles/CBMifkFVX3lxTE1rRE1ESU40SFV1TGVMUXlVMGZNR1djQnluYVF2aTZXc1huNmVFVjA0eXRBc0dyelNYaV90STJYN1lwS2NjajU0VW5HNEotSUU2T3VQNDZ1dkVSdmZmNTBULUl3ZFhYeC1TSU1jWmtlYXo5RWJEQWVOMDZkQV9uZw?oc=5) · American Banker
- 2017-09-01 [Banc of California Hires CFO - Orange County Business Journal](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9aQzJycmFDbnNpMnQ1YmdRVE45T01xZW0zZ3hHN3VzOHJ1cGdrbzR6aFBZRWN3WlJ3UWxYT2JnSTdSZERDU3pINmlLempSeHFOMU93QmhTc2dFWmVGWDNwcGJBSVhyUQ?oc=5) · Orange County Business Journal
- 2008-12-26 [Things we lost in 2008 - Orange County Register](https://news.google.com/rss/articles/CBMibkFVX3lxTE95RUtSSmpxa1QwemR1MWk0SXpNQTJ2N1gtSGFKRFNEa0ZJa0l1S1pweXF5bmtZQm5jOFBHdHNpYzhYYTVYQmJ1UTd6R0tCdmJteVctT0dkeHl5QUZRTWhFRi1tcndsZnViekpOeWlB?oc=5) · Orange County Register
- 2019-12-05 [Topnotch Resort taken over by bank - Vermont Community Newspaper Group](https://news.google.com/rss/articles/CBMixAFBVV95cUxOajh2c1I5TjRFWGZoZTZFclNjTE5obWx6cHA5UGpack1mT1JweWVFM09fQlNEOUZfY3p4djVDTVJNdkh4WmVnU1hKRlJXcm1UNEZTdHdzZVBEaTZ4bWJqc2hrOGU1U0ZRUU5Pd0FRSFNGWWkyVkthVVhJX0hDN3JUX0NzVjB1ek91dWhjMmtuaFBtOEZ6Q1l4UGpMQVdNR1ZxdGRHSWZ6NkdTdnpnNzhxTEk4YmJBeTFqWE54MUgzZFJ0RTdO?oc=5) · Vermont Community Newspaper Group
- 2010-07-19 [Michael Carroll Named Manager of SBBT’s La Cumbre Branch - Noozhawk](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdFRhU09aN0RFYWM4OGxSd3E5bkR3aVNhS2NZS09rOWxQa1FpU0QyWkhlaTBhUTExLTNsalNuYmg3RmpJOFRwSWF0ajNWRW9wQ1M0Uk5SUVhiUjY5bzM2SGlvNkpCN1Q2ekQ0VnRrOUlxcV9aSGdJT1puYm1YX3hzd3VQajc4SmZsRkRZUHQ0VTc3dw?oc=5) · Noozhawk

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58878 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/62.json (key "58878", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide