Capital Community Bank in Provo, Utah (UT)
Overview, Financial Summary, Detailed Financial Reports, Branches

Capital Community Bank - Overview

  • General
  • FDIC Certificate #: 33823
    Status: Active
    Federal Reserve ID: 2068107
    Bank Holding Company (Regulatory Top Holder): Capital Community Bancorporation, Inc. (RSSDID: 2641621, Location: Provo, UT)
    Date Established: July 29, 1993
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 13865
    FDIC's unique #: 48127
    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: July 29, 1993
    Last Structure Change Effective Date: March 09, 2012
    Last Structure Change Process Date: March 09, 2012
    Last Data Update: March 09, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 3280 North University Avenue, Provo, UT 84604
    County: Utah
    Quarterly Banking Profile Region: San Francisco
    FDIC Geographic Region: San Francisco
    FDIC Supervisory Region: San Francisco
    FDIC Field Office: Salt Lake City
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Provo-Orem, UT (#6520)
    Core Based Statistical Area (CBSA): Provo-Orem, UT (#39340)
    CBSA Metro Statistical Area: Provo-Orem, UT (#39340)
  • Financial Summary
  • Total assets: $112.2 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $96.7 mil
    Return on assets (ROA): 0.52% ($0.6 mil)
    Quarterly return on assets: 0.20% ($0.2 mil)
    Return on Equity (ROE): 3.84% ($0.6 mil)
    Quarterly return on equity: 1.52% ($0.2 mil)
    Net income: $0.6 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.83% ($931.2 mil)
    Quarterly Pretax return on assets: 0.33% ($370.2 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, 2011)

  • Dollar figures in thousands
  • 41Total employees (full-time equivalent)
  • $112,191Total assets
  • $19,998Cash and due from depository institutions
  • $18,630Interest-bearing balances
  • $1,500Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $80,191Net loans & leases
  • $1,875Loan loss allowance
  • $0Trading account assets
  • $680Bank premises and fixed assets
  • $5,228Other real estate owned
  • $0Goodwill and other intangibles
  • $112,191Life insurance assets
  • $4,594All other assets
  • $97,155Total liabilities and capital
  • $96,660Total liabilities
  • $76,787Total deposits
  • $96,660Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 344.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $151Subordinated debt
  • $15,036All other liabilities
  • $15,036Total equity capital
  • $15,036Total bank equity capital
  • $0Perpetual preferred stock
  • $1,250Common stock
  • $14,439Surplus
  • $-653Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,781Income earned, not collected on loans
  • $0Earning assets
  • $384Long-term assets (5+ years)
  • $100,321Average Assets, year-to-date
  • $7,414Average Assets, quarterly
  • $109,056Volatile liabilities
  • $111,999Insider loans
  • $92,268FHLB advances
  • $109,883Loans and leases held for sale
  • $1,730Unused loan commitments
  • $1,730Tier 1 (core) risk-based capital
  • $13,390Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $19,793Restructured Loans and leases
  • $1,637Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,392Total interest income
  • $1,050Total interest expense
  • $4,342Net interest income
  • -$791Provision for loan and lease losses
  • $413Total noninterest income
  • $0Fiduciary activities
  • $249Service charges on deposit accounts
  • $0Trading account gains & fees
  • $164Additional noninterest income
  • $4,646Total noninterest expense
  • $2,086Salaries and employee benefits
  • $965Premises and equipment expense
  • $1,595Additional noninterest expense
  • $900Pre-tax net operating income
  • $0Securities gains (losses)
  • $336Applicable income taxes
  • $564Income before extraordinary items
  • $0Extraordinary gains - net
  • $564Net income attributable to bank
  • $0Net charge-offs
  • $564Cash dividends
  • -$204Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.58%Yield on earning assets
  • 1.09%Cost of funding earning assets
  • 4.49%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 4.80%Noninterest expense to earning assets
  • 0.52%Net operating income to assets
  • 0.52%Return on assets (ROA)
  • 0.83%Pretax return on assets
  • 3.84%Return on equity (ROE)
  • 3.84%Retained earnings to average equity (YTD only)
  • -0.27%Net charge-offs to loans
  • 387.75%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 97,708Assets per employee
  • 2.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.28%Loss allowance to noncurrent loans
  • 105.28%Noncurrent assets plus other real estate owned to assets
  • 6.25%Noncurrent loans to loans
  • 2.17%Net loans and leases to deposits
  • 82.96%Net loans and leases to core deposits
  • 95.10%Equity capital to assets
  • 13.40%Core capital (leverage) ratio
  • 12.19%Tier 1 risk-based capital ratio
  • 14.51%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $109,056Average earning assets
  • $14,700Average equity
  • $96,708Average loans

List of branches

  • 4 Utah Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    048127Capital Community Bank3280 North University Avenue, Provo, UT 84604July 29, 1993Full Service Brick and Mortar
    1289904Orem Office49 West University Pkwy, Orem, UT 84058May 14, 1997Full Service Brick and Mortar
    2359141Pleasant Grove Office1909 West State Street, Pleasant Grove, UT 84062Febuary 05, 2001Full Service Brick and Mortar
    3460086Salem Office549 State Road 198, Salem, UT 84653Febuary 26, 2007Full Service Brick and Mortar

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