Capital Bank in San Juan Capistrano, California (CA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Capital Bank in San Juan Capistrano, California (CA)
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Capital Bank - Overview

  • General
  • FDIC Certificate #: 58462
    Status: Active
    Federal Reserve ID: 3597305
    Date Established: March 26, 2008
    WWW: http://www.mycapitalbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 452345
    Numeric code: 13
    Regulator: FED
    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: March 26, 2008
    Last Structure Change Effective Date: March 31, 2008
    Last Structure Change Process Date: March 31, 2008
    Last Data Update: March 31, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 31351 Rancho Viejo Road, Suite 101, San Juan Capistrano, CA 92675
    County: Orange
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Orange
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Orange County, CA (#5945)
    Consolidated Metropolitan Statistical Area (CMSA): Los Angeles-Riverside-Orange County, CA (#49)
    Combined Statistical Area (CSA): Los Angeles-Long Beach-Riverside, CA (#348)
    Core Based Statistical Area (CBSA): Los Angeles-Long Beach-Santa Ana, CA (#31100)
    CBSA Metro Statistical Area: Los Angeles-Long Beach-Santa Ana, CA (#31100)
    Core Based Statistical Division: Santa Ana-Anaheim-Irvine, CA (#42044)
  • History of Changes
  • Change in Geographic Region/Area/Territory/Field Office
  • Financial Summary
  • Total assets: $116.1 mil
    Equity capital: $15.1 mil
    Deposits held in domestic offices: $100.4 mil
    Return on assets (ROA): 0.97% ($1.1 mil)
    Quarterly return on assets: 0.80% ($0.9 mil)
    Return on Equity (ROE): 8.19% ($1.2 mil)
    Quarterly return on equity: 6.24% ($0.9 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.12% ($1,299.9 mil)
    Quarterly Pretax return on assets: 1.37% ($1,590.0 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
  • 18Total employees (full-time equivalent)
  • $116,061Total assets
  • $42,024Cash and due from depository institutions
  • $40,571Interest-bearing balances
  • $3,004Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $68,714Net loans & leases
  • $995Loan loss allowance
  • $0Trading account assets
  • $874Bank premises and fixed assets
  • $0Other real estate owned
  • $474Goodwill and other intangibles
  • $116,061Life insurance assets
  • $971All other assets
  • $100,995Total liabilities and capital
  • $100,416Total liabilities
  • $90,145Total deposits
  • $100,416Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $579Subordinated debt
  • $15,066All other liabilities
  • $15,066Total equity capital
  • $15,066Total bank equity capital
  • $3,132Perpetual preferred stock
  • $11,663Common stock
  • $36Surplus
  • $235Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $312Income earned, not collected on loans
  • $199Earning assets
  • $270Long-term assets (5+ years)
  • $112,289Average Assets, year-to-date
  • $23,594Average Assets, quarterly
  • $106,775Volatile liabilities
  • $115,981Insider loans
  • $66,086FHLB advances
  • $114,949Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,018Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $17,622Restructured Loans and leases
  • $154Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,690Total interest income
  • $941Total interest expense
  • $3,749Net interest income
  • $1,175Provision for loan and lease losses
  • $2,519Total noninterest income
  • $0Fiduciary activities
  • $26Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,493Additional noninterest income
  • $3,898Total noninterest expense
  • $2,276Salaries and employee benefits
  • $465Premises and equipment expense
  • $1,157Additional noninterest expense
  • $1,195Pre-tax net operating income
  • $0Securities gains (losses)
  • $163Applicable income taxes
  • $1,032Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,032Net income attributable to bank
  • $0Net charge-offs
  • $1,032Cash dividends
  • $1,101Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.51%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 3.61%Net interest margin
  • 2.42%Noninterest income to earning assets
  • 3.75%Noninterest expense to earning assets
  • 0.97%Net operating income to assets
  • 0.97%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 8.19%Return on equity (ROE)
  • 8.19%Retained earnings to average equity (YTD only)
  • 1.62%Net charge-offs to loans
  • 106.72%Credit loss provision to net charge-offs
  • 2.15%Efficiency ratio
  • 62,189Assets per employee
  • 6.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 318.91%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.45%Net loans and leases to deposits
  • 68.43%Net loans and leases to core deposits
  • 72.72%Equity capital to assets
  • 12.98%Core capital (leverage) ratio
  • 13.06%Tier 1 risk-based capital ratio
  • 22.72%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $106,775Average earning assets
  • $12,594Average equity
  • $103,959Average loans

List of branches

  • 1 California Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0452345Capital Bank31351 Rancho Viejo Road, Suite 101, San Juan Capistrano, CA 92675March 26, 2008Full Service Brick and Mortar

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