Capital Community Bank in Provo, Utah (UT)
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| Capital Community Bank | |
|---|---|
| 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 WWW: http://www.capitalcombank.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) 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) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 41 |
| Total assets | $112,191 |
| Cash and due from depository institutions | $19,998 |
| Interest-bearing balances | $18,630 |
| Securities | $1,500 |
| Federal funds sold & reverse repurchase agreements | $0 |
| Net loans & leases | $80,191 |
| Loan loss allowance | $1,875 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $680 |
| Other real estate owned | $5,228 |
| Goodwill and other intangibles | $0 |
| All other assets | $4,594 |
| Life insurance assets | $112,191 |
| Total liabilities and capital | $97,155 |
| Total liabilities | $96,660 |
| Total deposits | $76,787 |
| Interest-bearing deposits | $96,660 |
| Deposits held in domestic offices | $85 |
| % insured (estimated) | 344.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $0 |
| Other borrowed funds | $0 |
| Subordinated debt | $151 |
| All other liabilities | $15,036 |
| Total equity capital | $15,036 |
| Total bank equity capital | $15,036 |
| Perpetual preferred stock | $0 |
| Common stock | $1,250 |
| Surplus | $14,439 |
| Undivided profits | $-653 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $1,781 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $384 |
| Average Assets, year-to-date | $100,321 |
| Average Assets, quarterly | $7,414 |
| Volatile liabilities | $109,056 |
| Insider loans | $111,999 |
| FHLB advances | $92,268 |
| Loans and leases held for sale | $109,883 |
| Unused loan commitments | $1,730 |
| Tier 1 (core) risk-based capital | $1,730 |
| Tier 2 risk-based capital | $13,390 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $19,793 |
| Derivatives | $1,637 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $5,392 |
| Total interest expense | $1,050 |
| Net interest income | $4,342 |
| Provision for loan and lease losses | -$791 |
| Total noninterest income | $413 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $249 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $164 |
| Total noninterest expense | $4,646 |
| Salaries and employee benefits | $2,086 |
| Premises and equipment expense | $965 |
| Additional noninterest expense | $1,595 |
| Pre-tax net operating income | $900 |
| Securities gains (losses) | $0 |
| Applicable income taxes | $336 |
| Income before extraordinary items | $564 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $564 |
| Net charge-offs | $0 |
| Cash dividends | $564 |
| Sale, conversion, retirement of capital stock, net | -$204 |
| Net operating income | $0 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 5.58% |
| Cost of funding earning assets | 1.09% |
| Net interest margin | 4.49% |
| Noninterest income to earning assets | 0.43% |
| Noninterest expense to earning assets | 4.80% |
| Net operating income to assets | 0.52% |
| Return on assets (ROA) | 0.52% |
| Pretax return on assets | 0.83% |
| Return on equity (ROE) | 3.84% |
| Retained earnings to average equity (YTD only) | 3.84% |
| Net charge-offs to loans | -0.27% |
| Credit loss provision to net charge-offs | 387.75% |
| Efficiency ratio | 0.00% |
| Assets per employee | $97,708 |
| Cash dividends to net income (YTD only) | 2.74% |
| Condition Ratios (%) | |
| Loss allowance to loans | 0.00% |
| Loss allowance to noncurrent loans | 2.28% |
| Noncurrent assets plus other real estate owned to assets | 105.28% |
| Noncurrent loans to loans | 6.25% |
| Net loans and leases to deposits | 2.17% |
| Net loans and leases to core deposits | 82.96% |
| Equity capital to assets | 95.10% |
| Core capital (leverage) ratio | 13.40% |
| Tier 1 risk-based capital ratio | 12.19% |
| Total risk-based capital ratio | 14.51% |
| Memoranda | |
| Average assets | $16 |
| Average earning assets | $109,056 |
| Average equity | $14,700 |
| Average loans | $96,708 |
| 4 Utah Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 48127 | Capital Community Bank | 3280 North University Avenue, Provo, UT 84604 | July 29, 1993 | Full Service Brick and Mortar |  |
| 1 | 289904 | Orem Office | 49 West University Pkwy, Orem, UT 84058 | May 14, 1997 | Full Service Brick and Mortar |  |
| 2 | 359141 | Pleasant Grove Office | 1909 West State Street, Pleasant Grove, UT 84062 | Febuary 05, 2001 | Full Service Brick and Mortar | |
| 3 | 460086 | Salem Office | 549 State Road 198, Salem, UT 84653 | Febuary 26, 2007 | Full Service Brick and Mortar | |
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