Capital Bank in St. Paul, Minnesota (MN)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Capital Bank in St. Paul, Minnesota (MN)
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Capital Bank - Overview

  • General
  • FDIC Certificate #: 17640
    Status: Active
    Federal Reserve ID: 826255
    Bank Holding Company (Regulatory Top Holder): First Sleepy Eye Bancorporation, Inc. (RSSDID: 1123401, Location: Sioux Falls, SD)
    Date Established: July 30, 1956
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 12273
    FDIC's unique #: 11607
    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: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: July 30, 1956
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1020 Rice Street, St. Paul, MN 55117
    County: Ramsey
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: Minneapolis
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Minneapolis-St. Paul, MN-WI (#5120)
    Combined Statistical Area (CSA): Minneapolis-St. Paul-St. Cloud, MN-WI (#378)
    Core Based Statistical Area (CBSA): Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
    CBSA Metro Statistical Area: Minneapolis-St. Paul-Bloomington, MN-WI (#33460)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $36.6 mil
    Equity capital: $4.0 mil
    Deposits held in domestic offices: $32.5 mil
    Return on assets (ROA): 0.59% ($0.2 mil)
    Quarterly return on assets: 0.48% ($0.2 mil)
    Return on Equity (ROE): 5.70% ($0.2 mil)
    Quarterly return on equity: 4.37% ($0.2 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.59% ($216.2 mil)
    Quarterly Pretax return on assets: 0.48% ($175.9 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ 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
  • 10Total employees (full-time equivalent)
  • $36,642Total assets
  • $13,602Cash and due from depository institutions
  • $12,996Interest-bearing balances
  • $10,840Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $10,416Net loans & leases
  • $633Loan loss allowance
  • $0Trading account assets
  • $325Bank premises and fixed assets
  • $633Other real estate owned
  • $0Goodwill and other intangibles
  • $36,642Life insurance assets
  • $826All other assets
  • $32,616Total liabilities and capital
  • $32,503Total liabilities
  • $26,540Total deposits
  • $32,503Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $113Subordinated debt
  • $4,026All other liabilities
  • $4,026Total equity capital
  • $4,026Total bank equity capital
  • $0Perpetual preferred stock
  • $1,375Common stock
  • $2,125Surplus
  • $526Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $551Income earned, not collected on loans
  • $0Earning assets
  • $174Long-term assets (5+ years)
  • $34,252Average Assets, year-to-date
  • $9,198Average Assets, quarterly
  • $37,284Volatile liabilities
  • $36,476Insider loans
  • $19,988FHLB advances
  • $36,347Loans and leases held for sale
  • $464Unused loan commitments
  • $243Tier 1 (core) risk-based capital
  • $3,615Tier 2 risk-based capital
  • $121Total risk weighted assets
  • $100Total unused commitments
  • $506Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,557Total interest income
  • $168Total interest expense
  • $1,389Net interest income
  • $0Provision for loan and lease losses
  • $175Total noninterest income
  • $0Fiduciary activities
  • $100Service charges on deposit accounts
  • $0Trading account gains & fees
  • $75Additional noninterest income
  • $1,243Total noninterest expense
  • $560Salaries and employee benefits
  • $194Premises and equipment expense
  • $489Additional noninterest expense
  • $321Pre-tax net operating income
  • -$101Securities gains (losses)
  • $1Applicable income taxes
  • $219Income before extraordinary items
  • $0Extraordinary gains - net
  • $219Net income attributable to bank
  • $0Net charge-offs
  • $219Cash dividends
  • $92Sale, conversion, retirement of capital stock, net
  • $40Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.43%Yield on earning assets
  • 0.48%Cost of funding earning assets
  • 3.95%Net interest margin
  • 0.50%Noninterest income to earning assets
  • 3.53%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.59%Return on assets (ROA)
  • 0.59%Pretax return on assets
  • 5.70%Return on equity (ROE)
  • 4.66%Retained earnings to average equity (YTD only)
  • 0.81%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 3.49%Efficiency ratio
  • 79,476Assets per employee
  • 3.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 18.26%Loss allowance to loans
  • 5.73%Loss allowance to noncurrent loans
  • 114.88%Noncurrent assets plus other real estate owned to assets
  • 3.23%Noncurrent loans to loans
  • 4.99%Net loans and leases to deposits
  • 32.05%Net loans and leases to core deposits
  • 32.84%Equity capital to assets
  • 10.99%Core capital (leverage) ratio
  • 9.95%Tier 1 risk-based capital ratio
  • 18.09%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $37,284Average earning assets
  • $3,840Average equity
  • $35,168Average loans

List of branches

  • 2 Minnesota Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011607Capital Bank1020 Rice Street, St. Paul, MN 55117July 30, 1956Full Service Brick and Mortar
    1242408Drive-In Branch1020 Rice Street, St. Paul, MN 55117December 22, 1972Limited Service Facility

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