Capital Bank & Trust Company in Albany, New York (NY)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 09, 2011

Capital Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 34105
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Chemung Canal Trust Company (#597)
    Federal Reserve ID: 2374901
    Date Established: December 14, 1995
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 56246
    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: December 14, 1995
    Last Structure Change Effective Date: April 09, 2011
    Last Structure Change Process Date: June 07, 2011
    Last Data Update: June 07, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 1375 Washington Avenue, Albany, NY 12206
    County: Albany
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Syracuse
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Albany-Schenectady-Troy, NY (#160)
    Combined Statistical Area (CSA): Albany-Schenectady-Amsterdam, NY (#104)
    Core Based Statistical Area (CBSA): Albany-Schenectady-Troy, NY (#10580)
    CBSA Metro Statistical Area: Albany-Schenectady-Troy, NY (#10580)
  • Financial Summary
  • Total assets: $252.5 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, 2010)

  • Dollar figures in thousands
  • 39Total employees (full-time equivalent)
  • $260,377Total assets
  • $20,442Cash and due from depository institutions
  • $18,991Interest-bearing balances
  • $50,574Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $182,676Net loans & leases
  • $3,512Loan loss allowance
  • $0Trading account assets
  • $910Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $5,775All other assets
  • $260,377Total liabilities and capital
  • $237,829Total liabilities
  • $201,308Total deposits
  • $177,377Interest-bearing deposits
  • $201,308Deposits held in domestic offices
  • 87.66%% insured (estimated)
  • $3,828Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $31,212Other borrowed funds
  • $0Subordinated debt
  • $1,481All other liabilities
  • $22,548Total equity capital
  • $22,548Total bank equity capital
  • $22,548Perpetual preferred stock
  • $0Common stock
  • $10,625Surplus
  • $11,954Undivided profits
  • Memoranda
  • $-31Noncurrent loans and leases
  • $31,660Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $4,835Earning assets
  • $0Long-term assets (5+ years)
  • $1,310Average Assets, year-to-date
  • $252,241Average Assets, quarterly
  • $71,100Volatile liabilities
  • $273,350Insider loans
  • $265,606FHLB advances
  • $32,389Loans and leases held for sale
  • $6,703Unused loan commitments
  • $31,212Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $31,660Total unused commitments
  • $0Restructured Loans and leases
  • $2,420Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $13,355Total interest income
  • $4,135Total interest expense
  • $9,220Net interest income
  • $1,710Provision for loan and lease losses
  • $186Total noninterest income
  • $0Fiduciary activities
  • $119Service charges on deposit accounts
  • $0Trading account gains & fees
  • $67Additional noninterest income
  • $5,741Total noninterest expense
  • $2,996Salaries and employee benefits
  • $925Premises and equipment expense
  • $1,820Additional noninterest expense
  • $1,955Pre-tax net operating income
  • $280Securities gains (losses)
  • $839Applicable income taxes
  • $1,396Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,396Net income attributable to bank
  • $0Net charge-offs
  • $1,396Cash dividends
  • $311Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.13%Yield on earning assets
  • 1.59%Cost of funding earning assets
  • 3.54%Net interest margin
  • 0.07%Noninterest income to earning assets
  • 2.21%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.51%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 6.34%Return on equity (ROE)
  • 6.34%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 549.84%Credit loss provision to net charge-offs
  • 11.78%Efficiency ratio
  • 61,036Assets per employee
  • 6.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 72.64%Noncurrent assets plus other real estate owned to assets
  • 1.86%Noncurrent loans to loans
  • 2.60%Net loans and leases to deposits
  • 90.74%Net loans and leases to core deposits
  • 102.51%Equity capital to assets
  • 8.66%Core capital (leverage) ratio
  • 8.33%Tier 1 risk-based capital ratio
  • 11.72%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $273,350Average earning assets
  • $22,010Average equity
  • $260,134Average loans

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