CapStone Bank in Raleigh, North Carolina (NC)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • CapStone Bank in Raleigh, North Carolina (NC)
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CapStone Bank - Overview

  • General
  • FDIC Certificate #: 58386
    Status: Active
    Federal Reserve ID: 3452310
    Date Established: August 01, 2006
    WWW: http://www.capstonebank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 449876
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: August 01, 2006
    Last Structure Change Effective Date: August 01, 2006
    Last Structure Change Process Date: August 02, 2006
    Last Data Update: August 02, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 4505 Falls Of The Neuse Road, Suite 150, Raleigh, NC 27609
    County: Wake
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Raleigh
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Raleigh-Durham-Chapel Hill, NC (#6640)
    Combined Statistical Area (CSA): Raleigh-Durham-Cary, NC (#450)
    Core Based Statistical Area (CBSA): Raleigh-Cary, NC (#39580)
    CBSA Metro Statistical Area: Raleigh-Cary, NC (#39580)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
    New Institution
  • Financial Summary
  • Total assets: $216.1 mil
    Equity capital: $28.0 mil
    Deposits held in domestic offices: $151.5 mil
    Return on assets (ROA): 0.32% ($0.7 mil)
    Quarterly return on assets: -0.77% (-$1.7 mil)
    Return on Equity (ROE): 2.45% ($0.7 mil)
    Quarterly return on equity: -5.98% (-$1.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: -$0.4 mil
    Pretax return on assets: 0.42% ($907.5 mil)
    Quarterly Pretax return on assets: -1.39% (-$3,003.3 mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $216,064Total assets
  • $20,651Cash and due from depository institutions
  • $18,359Interest-bearing balances
  • $43,840Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $143,361Net loans & leases
  • $4,183Loan loss allowance
  • $0Trading account assets
  • $147Bank premises and fixed assets
  • $186Other real estate owned
  • $0Goodwill and other intangibles
  • $216,064Life insurance assets
  • $7,879All other assets
  • $188,030Total liabilities and capital
  • $151,461Total liabilities
  • $131,199Total deposits
  • $151,461Interest-bearing deposits
  • $67Deposits held in domestic offices
  • 3449.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $31,750Trading liabilities
  • $0Other borrowed funds
  • $1,370Subordinated debt
  • $28,034All other liabilities
  • $28,034Total equity capital
  • $28,034Total bank equity capital
  • $0Perpetual preferred stock
  • $12,974Common stock
  • $11,623Surplus
  • $3,437Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,783Income earned, not collected on loans
  • $0Earning assets
  • $716Long-term assets (5+ years)
  • $205,560Average Assets, year-to-date
  • $57,801Average Assets, quarterly
  • $208,057Volatile liabilities
  • $218,773Insider loans
  • $152,957FHLB advances
  • $216,587Loans and leases held for sale
  • $3,204Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $26,807Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,204Total unused commitments
  • $22,306Restructured Loans and leases
  • $7,725Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,716Total interest income
  • $1,611Total interest expense
  • $8,105Net interest income
  • $2,379Provision for loan and lease losses
  • $148Total noninterest income
  • $0Fiduciary activities
  • $45Service charges on deposit accounts
  • $0Trading account gains & fees
  • $103Additional noninterest income
  • $5,115Total noninterest expense
  • $3,340Salaries and employee benefits
  • $396Premises and equipment expense
  • $1,379Additional noninterest expense
  • $759Pre-tax net operating income
  • $121Securities gains (losses)
  • $204Applicable income taxes
  • $676Income before extraordinary items
  • $0Extraordinary gains - net
  • $676Net income attributable to bank
  • $0Net charge-offs
  • $676Cash dividends
  • $1,219Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.95%Yield on earning assets
  • 0.82%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.08%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 0.28%Net operating income to assets
  • 0.32%Return on assets (ROA)
  • 0.42%Pretax return on assets
  • 2.45%Return on equity (ROE)
  • 2.45%Retained earnings to average equity (YTD only)
  • 0.87%Net charge-offs to loans
  • 195.16%Credit loss provision to net charge-offs
  • 2.57%Efficiency ratio
  • 61,977Assets per employee
  • 9.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.84%Loss allowance to noncurrent loans
  • 72.33%Noncurrent assets plus other real estate owned to assets
  • 2.76%Noncurrent loans to loans
  • 3.92%Net loans and leases to deposits
  • 94.65%Net loans and leases to core deposits
  • 115.04%Equity capital to assets
  • 12.97%Core capital (leverage) ratio
  • 12.38%Tier 1 risk-based capital ratio
  • 17.53%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $208,057Average earning assets
  • $27,573Average equity
  • $196,336Average loans

List of branches

  • 1 North Carolina Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0449876Capstone Bank4505 Falls Of The Neuse Road, Suite 150, Raleigh, NC 27609August 01, 2006Full Service Brick and Mortar

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