Capital Bank, National Association in Rockville, Maryland (MD), DC, PA
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Capital Bank, National Association in Rockville, Maryland (MD), DC, PA
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Capital Bank, National Association - Overview

  • General
  • FDIC Certificate #: 35278
    Status: Active
    Federal Reserve ID: 2808602
    Bank Holding Company (Regulatory Top Holder): Capital Bancorp, Inc. (RSSDID: 2808590, Location: Rockville, MD)
    Date Established: December 14, 1999
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Domestic: 3, Interstate: Yes)
    FDIC's unique #: 77667
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: December 14, 1999
    Last Structure Change Effective Date: January 20, 2012
    Last Structure Change Process Date: January 23, 2012
    Last Data Update: January 23, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: One Church Street, Rockville, MD 20850
    County: Montgomery
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Baltimore
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Washington, DC-MD-VA-WV (#8840)
    Consolidated Metropolitan Statistical Area (CMSA): Washington-Baltimore, DC-MD-VA-WV (#97)
    Combined Statistical Area (CSA): Washington-Baltimore-Northern Virginia, DC-MD-VA-WV (#548)
    Core Based Statistical Area (CBSA): Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    CBSA Metro Statistical Area: Washington-Arlington-Alexandria, DC-VA-MD-WV (#47900)
    Core Based Statistical Division: Bethesda-Rockville-Frederick, MD (#13644)
  • History of Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $335.6 mil
    Equity capital: $27.5 mil
    Deposits held in domestic offices: $236.8 mil
    Return on assets (ROA): 1.92% ($6.5 mil)
    Quarterly return on assets: 0.96% ($3.2 mil)
    Return on Equity (ROE): 22.94% ($6.2 mil)
    Quarterly return on equity: 11.69% ($3.2 mil)
    Net income: $5.5 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 3.15% ($10,571.4 mil)
    Quarterly Pretax return on assets: 1.58% ($5,302.5 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
  • 63Total employees (full-time equivalent)
  • $335,601Total assets
  • $22,010Cash and due from depository institutions
  • $18,479Interest-bearing balances
  • $36,660Securities
  • $48Federal funds sold & reverse repurchase agreements
  • $266,377Net loans & leases
  • $2,534Loan loss allowance
  • $0Trading account assets
  • $690Bank premises and fixed assets
  • $3,337Other real estate owned
  • $132Goodwill and other intangibles
  • $335,601Life insurance assets
  • $6,347All other assets
  • $308,107Total liabilities and capital
  • $236,836Total liabilities
  • $172,156Total deposits
  • $236,836Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 16643.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $49,500Trading liabilities
  • $3,500Other borrowed funds
  • $1,628Subordinated debt
  • $27,494All other liabilities
  • $27,494Total equity capital
  • $27,494Total bank equity capital
  • $0Perpetual preferred stock
  • $3,000Common stock
  • $15,733Surplus
  • $8,761Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $18,886Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,610Income earned, not collected on loans
  • $0Earning assets
  • $1,415Long-term assets (5+ years)
  • $321,564Average Assets, year-to-date
  • $88,231Average Assets, quarterly
  • $288,034Volatile liabilities
  • $330,371Insider loans
  • $238,518FHLB advances
  • $324,982Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $27,004Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $62,749Restructured Loans and leases
  • $8,385Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $16,323Total interest income
  • $2,469Total interest expense
  • $13,854Net interest income
  • $1,090Provision for loan and lease losses
  • $6,431Total noninterest income
  • $0Fiduciary activities
  • $146Service charges on deposit accounts
  • -$188Trading account gains & fees
  • $6,473Additional noninterest income
  • $10,129Total noninterest expense
  • $5,417Salaries and employee benefits
  • $1,165Premises and equipment expense
  • $3,547Additional noninterest expense
  • $9,066Pre-tax net operating income
  • $11Securities gains (losses)
  • $3,544Applicable income taxes
  • $5,533Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,533Net income attributable to bank
  • $0Net charge-offs
  • $5,533Cash dividends
  • $901Sale, conversion, retirement of capital stock, net
  • $950Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.90%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 5.01%Net interest margin
  • 2.33%Noninterest income to earning assets
  • 3.66%Noninterest expense to earning assets
  • 1.92%Net operating income to assets
  • 1.92%Return on assets (ROA)
  • 3.15%Pretax return on assets
  • 22.94%Return on equity (ROE)
  • 19.00%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 120.98%Credit loss provision to net charge-offs
  • 11.27%Efficiency ratio
  • 49,860Assets per employee
  • 5.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 17.17%Loss allowance to loans
  • 0.94%Loss allowance to noncurrent loans
  • 45.17%Noncurrent assets plus other real estate owned to assets
  • 2.67%Noncurrent loans to loans
  • 2.09%Net loans and leases to deposits
  • 112.47%Net loans and leases to core deposits
  • 129.65%Equity capital to assets
  • 8.19%Core capital (leverage) ratio
  • 8.31%Tier 1 risk-based capital ratio
  • 11.32%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $288,034Average earning assets
  • $24,125Average equity
  • $276,459Average loans

List of branches

  • 1 District Of Columbia Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2466281Eye Street Branch1776 I Street, N.W., Washington, DC 20006August 01, 2006Full Service Brick and Mortar
  • 2 Maryland Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    077667Capital Bank, National AssociationOne Church Street, Rockville, MD 20850December 14, 1999Full Service Brick and Mortar
    3492511Executive Boulevard Branch6000 Executive Blvd, #101, North Bethesda, MD 20852September 15, 2008Full Service Brick and Mortar
  • 1 Pennsylvania Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    544415Boothwyn Branch3915 Chichester Avenue, Boothwyn, PA 19061January 01, 1917Full Service Brick and Mortar

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