Capital Bank of New Jersey in Vineland, New Jersey (NJ)
Overview, Financial Summary, Detailed Financial Reports, Branches


Capital Bank of New Jersey - Overview

  • General
  • FDIC Certificate #: 58464
    Status: Active
    Federal Reserve ID: 3595262
    Date Established: April 23, 2007
    WWW: http://www.capitalbanknj.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 452369
    Numeric code: 21
    Regulator: FDIC
    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: April 23, 2007
    Last Structure Change Effective Date: April 03, 2012
    Last Structure Change Process Date: April 03, 2012
    Last Data Update: April 03, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 175 South Main Road, Vineland, NJ 8360
    County: Cumberland
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Jamesburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Vineland-Millville-Bridgeton, NJ (#8760)
    Consolidated Metropolitan Statistical Area (CMSA): Philadelphia-Wilmington-Atlantic City, PA-NJ-DE-MD (#77)
    Combined Statistical Area (CSA): Philadelphia-Camden-Vineland, PA-NJ-DE-MD (#428)
    Core Based Statistical Area (CBSA): Vineland-Millville-Bridgeton, NJ (#47220)
    CBSA Metro Statistical Area: Vineland-Millville-Bridgeton, NJ (#47220)
  • Financial Summary
  • Total assets: $242.2 mil
    Equity capital: $25.9 mil
    Deposits held in domestic offices: $213.8 mil
    Return on assets (ROA): 0.61% ($1.5 mil)
    Quarterly return on assets: 0.66% ($1.6 mil)
    Return on Equity (ROE): 5.49% ($1.4 mil)
    Quarterly return on equity: 6.24% ($1.6 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.74% ($1,792.1 mil)
    Quarterly Pretax return on assets: 1.14% ($2,760.7 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
  • 53Total employees (full-time equivalent)
  • $242,169Total assets
  • $6,527Cash and due from depository institutions
  • $3,153Interest-bearing balances
  • $59,948Securities
  • $1,260Federal funds sold & reverse repurchase agreements
  • $156,998Net loans & leases
  • $2,631Loan loss allowance
  • $0Trading account assets
  • $9,852Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $242,169Life insurance assets
  • $7,584All other assets
  • $216,274Total liabilities and capital
  • $213,786Total liabilities
  • $183,464Total deposits
  • $213,786Interest-bearing deposits
  • $78Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,000Trading liabilities
  • $0Other borrowed funds
  • $1,488Subordinated debt
  • $25,895All other liabilities
  • $25,895Total equity capital
  • $25,895Total bank equity capital
  • $0Perpetual preferred stock
  • $12,050Common stock
  • $13,126Surplus
  • $719Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $86Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $340Income earned, not collected on loans
  • $0Earning assets
  • $888Long-term assets (5+ years)
  • $221,359Average Assets, year-to-date
  • $76,999Average Assets, quarterly
  • $223,648Volatile liabilities
  • $242,516Insider loans
  • $192,032FHLB advances
  • $240,918Loans and leases held for sale
  • $5,061Unused loan commitments
  • $505Tier 1 (core) risk-based capital
  • $25,328Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,556Total unused commitments
  • $36,207Restructured Loans and leases
  • $4,335Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,369Total interest income
  • $2,235Total interest expense
  • $8,134Net interest income
  • $825Provision for loan and lease losses
  • $439Total noninterest income
  • $0Fiduciary activities
  • $79Service charges on deposit accounts
  • $0Trading account gains & fees
  • $360Additional noninterest income
  • $6,103Total noninterest expense
  • $3,410Salaries and employee benefits
  • $774Premises and equipment expense
  • $1,919Additional noninterest expense
  • $1,645Pre-tax net operating income
  • $12Securities gains (losses)
  • $295Applicable income taxes
  • $1,362Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,362Net income attributable to bank
  • $0Net charge-offs
  • $1,362Cash dividends
  • -$5Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.08%Cost of funding earning assets
  • 3.94%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.95%Noninterest expense to earning assets
  • 0.60%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.74%Pretax return on assets
  • 5.49%Return on equity (ROE)
  • 5.49%Retained earnings to average equity (YTD only)
  • -0.00%Net charge-offs to loans
  • -16500.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,189Assets per employee
  • 4.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 773.82%Noncurrent assets plus other real estate owned to assets
  • 0.14%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 73.44%Net loans and leases to core deposits
  • 82.29%Equity capital to assets
  • 10.69%Core capital (leverage) ratio
  • 10.51%Tier 1 risk-based capital ratio
  • 13.19%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $223,648Average earning assets
  • $24,813Average equity
  • $206,659Average loans

List of branches

  • 4 New Jersey Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0452369Capital Bank Of New Jersey175 South Main Road, Vineland, NJ 8360April 23, 2007Full Service Brick and Mortar
    1492805Vineland Branch1234 West Landis Avenue, Vineland, NJ 8360July 13, 2009Full Service Brick and Mortar
    2521521Woodbury Heights Office Branch890 Mantua Pike, Woodbury Heights, NJ 8097September 13, 2010Full Service Brick and Mortar
    3521522Hammonton Office Branch245 Bellevue Avenue, Hammonton, NJ 8037December 15, 2010Full Service Brick and Mortar

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