Capital Bank, SSB in El Paso, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Capital Bank, SSB in El Paso, Texas (TX)
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Capital Bank, SSB - Overview

  • General
  • FDIC Certificate #: 35322
    Status: Active
    Federal Reserve ID: 2848493
    Date Established: October 25, 1999
    Trust Powers Granted: No
    Bank Charter Class: Savings banks, state charter, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 78228
    Numeric code: 41
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: 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: October 25, 1999
    Last Structure Change Effective Date: December 09, 2010
    Last Structure Change Process Date: December 10, 2010
    Last Data Update: December 10, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 8700 Montana, El Paso, TX 79925
    County: El Paso
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Albuquerque
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): El Paso, TX (#2320)
    Core Based Statistical Area (CBSA): El Paso, TX (#21340)
    CBSA Metro Statistical Area: El Paso, TX (#21340)
  • Financial Summary
  • Total assets: $140.4 mil
    Equity capital: $35.2 mil
    Deposits held in domestic offices: $82.2 mil
    Return on assets (ROA): -1.40% (-$2.0 mil)
    Quarterly return on assets: -0.20% (-$0.3 mil)
    Return on Equity (ROE): -6.02% (-$2.1 mil)
    Quarterly return on equity: -0.74% (-$0.3 mil)
    Net income: -$1.7 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: -1.40% (-$1,965.6 mil)
    Quarterly Pretax return on assets: -0.20% (-$280.8 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
  • 35Total employees (full-time equivalent)
  • $140,401Total assets
  • $41,046Cash and due from depository institutions
  • $39,096Interest-bearing balances
  • $5,076Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $89,571Net loans & leases
  • $2,309Loan loss allowance
  • $0Trading account assets
  • $1,651Bank premises and fixed assets
  • $1,022Other real estate owned
  • $0Goodwill and other intangibles
  • $140,401Life insurance assets
  • $2,035All other assets
  • $105,166Total liabilities and capital
  • $82,166Total liabilities
  • $60,170Total deposits
  • $82,166Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $22,423Trading liabilities
  • $0Other borrowed funds
  • $577Subordinated debt
  • $35,235All other liabilities
  • $35,235Total equity capital
  • $35,235Total bank equity capital
  • $0Perpetual preferred stock
  • $18,570Common stock
  • $23,180Surplus
  • $-6,515Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $5,364Income earned, not collected on loans
  • $148Earning assets
  • $390Long-term assets (5+ years)
  • $133,743Average Assets, year-to-date
  • $38,130Average Assets, quarterly
  • $121,581Volatile liabilities
  • $128,227Insider loans
  • $84,727FHLB advances
  • $127,011Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $35,137Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,541Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,748Total interest income
  • $1,794Total interest expense
  • $2,954Net interest income
  • -$250Provision for loan and lease losses
  • $389Total noninterest income
  • $0Fiduciary activities
  • $91Service charges on deposit accounts
  • $0Trading account gains & fees
  • $298Additional noninterest income
  • $5,298Total noninterest expense
  • $3,098Salaries and employee benefits
  • $399Premises and equipment expense
  • $1,801Additional noninterest expense
  • -$1,705Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • -$1,705Income before extraordinary items
  • $0Extraordinary gains - net
  • -$1,705Net income attributable to bank
  • $0Net charge-offs
  • -$1,705Cash dividends
  • $203Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.17%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 2.59%Net interest margin
  • 0.34%Noninterest income to earning assets
  • 4.65%Noninterest expense to earning assets
  • -1.40%Net operating income to assets
  • -1.40%Return on assets (ROA)
  • -1.40%Pretax return on assets
  • -6.02%Return on equity (ROE)
  • -6.02%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • -123.15%Credit loss provision to net charge-offs
  • -9.63%Efficiency ratio
  • 158,480Assets per employee
  • 4.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.51%Loss allowance to noncurrent loans
  • 43.05%Noncurrent assets plus other real estate owned to assets
  • 4.55%Noncurrent loans to loans
  • 5.84%Net loans and leases to deposits
  • 109.01%Net loans and leases to core deposits
  • 114.92%Equity capital to assets
  • 25.10%Core capital (leverage) ratio
  • 27.66%Tier 1 risk-based capital ratio
  • 41.47%Total risk-based capital ratio
  • Memoranda
  • $43Average assets
  • $121,581Average earning assets
  • $28,343Average equity
  • $113,920Average loans

List of branches

  • 2 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    078228Capital Bank, Ssb8700 Montana, El Paso, TX 79925October 25, 1999Full Service Brick and Mortar
    1485230N. Mesa Branch2500 N. Mesa, Suite A, El Paso, TX 79902January 15, 2009Full Service Brick and Mortar

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