Capital Bank & Trust Company in Nashville, Tennessee (TN)



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Capital Bank & Trust Company
GeneralFDIC Certificate #: 33902
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Renasant Bank (#12437)
Federal Reserve ID: 2199252
Date Established: May 25, 1994
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Interstate: No)
OTS Docket #: 13937
FDIC's unique #: 54758
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
State Chartered: Yes
Date of Deposit Insurance: May 25, 1994
Last Structure Change Effective Date: July 01, 2007
Last Structure Change Process Date: July 10, 2007
Last Data Update: July 10, 2007
Data Source Date: April 05, 2012
LocationAddress: 1820 West End Avenue, Nashville, TN 37203
County: Davidson
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Nashville
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Nashville, TN (#5360)
Combined Statistical Area (CSA): Nashville-Davidson-Murfreesboro-Columbia, TN (#400)
Core Based Statistical Area (CBSA): Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
CBSA Metro Statistical Area: Nashville-Davidson-Murfreesboro-Franklin, TN (#34980)
Financial SummaryTotal assets: $618.4 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, 2006)
(Dollar figures in thousands)
Total employees (full-time equivalent)121
Total assets$564,071
Cash and due from depository institutions$8,373
Interest-bearing balances$19
Securities$67,784
Federal funds sold & reverse repurchase agreements$2,881
Net loans & leases$460,081
Loan loss allowance $5,605
Trading account assets$0
Bank premises and fixed assets$5,780
Other real estate owned$808
Goodwill and other intangibles$0
All other assets$18,364
Life insurance assets$9,535
Total liabilities and capital$564,071
Total liabilities$521,138
Total deposits$467,961
Interest-bearing deposits$450,656
Deposits held in domestic offices$467,961
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $2,997
Trading liabilities$0
Other borrowed funds $44,612
Subordinated debt $0
All other liabilities $5,568
Total equity capital$42,933
Total bank equity capital$42,933
Perpetual preferred stock$42,933
Common stock$0
Surplus$6,261
Undivided profits $17,441
Memoranda
Noncurrent loans and leases $19,231
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $122,632
Income earned, not collected on loans $0
Earning assets $3,280
Long-term assets (5+ years) $0
Average Assets, year-to-date $2,744
Average Assets, quarterly $530,765
Volatile liabilities $90,337
Insider loans $513,134
FHLB advances $547,016
Loans and leases held for sale $200,647
Unused loan commitments $8,142
Tier 1 (core) risk-based capital $44,612
Tier 2 risk-based capital $2,205
Total risk weighted assets $1,589
Total unused commitments $122,632
Restructured Loans and leases $899
Derivatives$5,605
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Income and Expense (December 31, 2006)
(Dollar figures in thousands)
Total interest income $37,289
Total interest expense $17,809
Net interest income $19,480
Provision for loan and lease losses $1,328
Total noninterest income $2,636
Fiduciary activities $0
Service charges on deposit accounts $1,247
Trading account gains & fees $0
Additional noninterest income $1,389
Total noninterest expense $12,977
Salaries and employee benefits $8,121
Premises and equipment expense $1,705
Additional noninterest expense $3,151
Pre-tax net operating income $7,811
Securities gains (losses) $0
Applicable income taxes $2,744
Income before extraordinary items $5,067
Extraordinary gains - net $0
Net income attributable to bank $5,067
Net charge-offs $0
Cash dividends $0
Sale, conversion, retirement of capital stock, net $327
Net operating income $0
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Performance and Condition Ratios (December 31, 2006)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets7.71%
Cost of funding earning assets 3.68%
Net interest margin 4.03%
Noninterest income to earning assets 0.54%
Noninterest expense to earning assets 2.68%
Net operating income to assets 0.99%
Return on assets (ROA) 0.99%
Pretax return on assets 1.52%
Return on equity (ROE) 12.96%
Retained earnings to average equity (YTD only) 12.96%
Net charge-offs to loans 0.08%
Credit loss provision to net charge-offs 406.12%
Efficiency ratio27.95%
Assets per employee$58,677
Cash dividends to net income (YTD only)4.66%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.20%
Noncurrent assets plus other real estate owned to assets 170.88%
Noncurrent loans to loans 0.72%
Net loans and leases to deposits0.70%
Net loans and leases to core deposits 98.32%
Equity capital to assets 167.72%
Core capital (leverage) ratio 7.61%
Tier 1 risk-based capital ratio 7.94%
Total risk-based capital ratio 9.06%
Memoranda
Average assets$10
Average earning assets$513,134
Average equity $39,107
Average loans $483,870
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