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
No
ID
Name
Address
Established
Service Type
Map
0
452345
Capital Bank
31351 Rancho Viejo Road, Suite 101, San Juan Capistrano, CA 92675
March 26, 2008
Full Service Brick and Mortar
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