Capital Bank in Jacinto City, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

Capital Bank - Overview

  • General
  • FDIC Certificate #: 19401
    Status: Active
    Federal Reserve ID: 596156
    Bank Holding Company (Regulatory Top Holder): Jane Austin Chapman Limited Partnership, L.P. (RSSDID: 3072660, Location: Frankston, TX)
    Date Established: April 10, 1965
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 13206
    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: April 10, 1965
    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: 10304 East Freeway, Jacinto City, TX 77029
    County: Harris
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Houston
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Houston, TX (#3360)
    Consolidated Metropolitan Statistical Area (CMSA): Houston-Galveston-Brazoria, TX (#42)
    Combined Statistical Area (CSA): Houston-Baytown-Huntsville, TX (#288)
    Core Based Statistical Area (CBSA): Houston-Sugar Land-Baytown, TX (#26420)
    CBSA Metro Statistical Area: Houston-Sugar Land-Baytown, TX (#26420)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $264.8 mil
    Equity capital: $23.9 mil
    Deposits held in domestic offices: $236.3 mil
    Return on assets (ROA): 0.80% ($2.1 mil)
    Quarterly return on assets: 0.91% ($2.4 mil)
    Return on Equity (ROE): 9.15% ($2.2 mil)
    Quarterly return on equity: 10.28% ($2.5 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.21% ($3,203.5 mil)
    Quarterly Pretax return on assets: 1.38% ($3,653.6 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
  • 73Total employees (full-time equivalent)
  • $264,756Total assets
  • $10,771Cash and due from depository institutions
  • $4,995Interest-bearing balances
  • $17,017Securities
  • $24,075Federal funds sold & reverse repurchase agreements
  • $201,710Net loans & leases
  • $2,081Loan loss allowance
  • $0Trading account assets
  • $8,160Bank premises and fixed assets
  • $609Other real estate owned
  • $0Goodwill and other intangibles
  • $264,756Life insurance assets
  • $2,414All other assets
  • $240,874Total liabilities and capital
  • $236,305Total liabilities
  • $161,869Total deposits
  • $236,305Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 3482.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,087Subordinated debt
  • $23,882All other liabilities
  • $23,882Total equity capital
  • $23,882Total bank equity capital
  • $0Perpetual preferred stock
  • $1,440Common stock
  • $14,560Surplus
  • $7,882Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $218Income earned, not collected on loans
  • $0Earning assets
  • $670Long-term assets (5+ years)
  • $247,797Average Assets, year-to-date
  • $50,613Average Assets, quarterly
  • $263,812Volatile liabilities
  • $268,365Insider loans
  • $208,512FHLB advances
  • $271,545Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $23,356Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $23,200Restructured Loans and leases
  • $1,342Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,915Total interest income
  • $1,723Total interest expense
  • $11,192Net interest income
  • $380Provision for loan and lease losses
  • $1,923Total noninterest income
  • $0Fiduciary activities
  • $1,457Service charges on deposit accounts
  • $0Trading account gains & fees
  • $466Additional noninterest income
  • $9,540Total noninterest expense
  • $6,118Salaries and employee benefits
  • $1,250Premises and equipment expense
  • $2,172Additional noninterest expense
  • $3,195Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,088Applicable income taxes
  • $2,107Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,107Net income attributable to bank
  • $0Net charge-offs
  • $2,107Cash dividends
  • $299Sale, conversion, retirement of capital stock, net
  • $725Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.24%Yield on earning assets
  • 0.70%Cost of funding earning assets
  • 4.54%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.87%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 1.21%Pretax return on assets
  • 9.15%Return on equity (ROE)
  • 6.00%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 127.09%Credit loss provision to net charge-offs
  • 11.96%Efficiency ratio
  • 72,741Assets per employee
  • 3.63%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.41%Loss allowance to loans
  • 1.02%Loss allowance to noncurrent loans
  • 954.59%Noncurrent assets plus other real estate owned to assets
  • 0.31%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 85.36%Net loans and leases to core deposits
  • 94.08%Equity capital to assets
  • 9.02%Core capital (leverage) ratio
  • 8.60%Tier 1 risk-based capital ratio
  • 11.20%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $263,812Average earning assets
  • $23,035Average equity
  • $246,618Average loans

List of branches

  • 6 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013206Capital Bank10304 East Freeway, Jacinto City, TX 77029April 10, 1965Full Service Brick and Mortar
    4419674Pearland Branch1813 E. Broadway, Pearland, TX 77581March 01, 2003Full Service Brick and Mortar
    5425105Fairmont Parkway Branch6101 Fairmont Parkway, Pasadena, TX 77505January 22, 2004Full Service Brick and Mortar
    6437102Garth Road Branch3719 Garth Road, Baytown, TX 77521Febuary 09, 2005Full Service Brick and Mortar
    7450426West Pearland Branch8703 West Broadway, Suite 131, Pearland, TX 77581March 13, 2006Full Service Brick and Mortar
    8451786Deer Park Branch3500 East Boulevard, Deer Park, TX 77536June 12, 2006Full Service Brick and Mortar

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