Capitol Bank in Madison, Wisconsin (WI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Capitol Bank in Madison, Wisconsin (WI)
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Capitol Bank - Overview

  • General
  • FDIC Certificate #: 34074
    Status: Active
    Federal Reserve ID: 2339599
    Bank Holding Company (Regulatory Top Holder): Capitol Bankshares, Inc. (RSSDID: 2339610, Location: Madison, WI)
    Date Established: October 09, 1995
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 14 (Domestic: 14, Interstate: No)
    OTS Docket #: 14016
    FDIC's unique #: 56211
    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: October 09, 1995
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 710 North High Point Road, Madison, WI 53717
    County: Dane
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Madison
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Madison, WI (#4720)
    Combined Statistical Area (CSA): Madison-Baraboo, WI (#358)
    Core Based Statistical Area (CBSA): Madison, WI (#31540)
    CBSA Metro Statistical Area: Madison, WI (#31540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $275.3 mil
    Equity capital: $23.5 mil
    Deposits held in domestic offices: $234.9 mil
    Return on assets (ROA): 1.05% ($2.9 mil)
    Quarterly return on assets: 1.10% ($3.0 mil)
    Return on Equity (ROE): 12.14% ($2.9 mil)
    Quarterly return on equity: 12.53% ($3.0 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.70% ($4,680.9 mil)
    Quarterly Pretax return on assets: 1.78% ($4,901.2 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
  • 40Total employees (full-time equivalent)
  • $275,349Total assets
  • $33,761Cash and due from depository institutions
  • $30,917Interest-bearing balances
  • $52,962Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $179,572Net loans & leases
  • $5,052Loan loss allowance
  • $0Trading account assets
  • $2,530Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $275,349Life insurance assets
  • $6,524All other assets
  • $251,827Total liabilities and capital
  • $234,878Total liabilities
  • $199,063Total deposits
  • $234,878Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 1854.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,964Trading liabilities
  • $0Other borrowed funds
  • $1,131Subordinated debt
  • $23,522All other liabilities
  • $23,522Total equity capital
  • $23,522Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $7,400Surplus
  • $15,622Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,439Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,027Income earned, not collected on loans
  • $0Earning assets
  • $998Long-term assets (5+ years)
  • $263,451Average Assets, year-to-date
  • $9,521Average Assets, quarterly
  • $255,203Volatile liabilities
  • $263,451Insider loans
  • $183,645FHLB advances
  • $257,912Loans and leases held for sale
  • $2,017Unused loan commitments
  • $2,017Tier 1 (core) risk-based capital
  • $23,080Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $25,841Restructured Loans and leases
  • $1,810Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,783Total interest income
  • $2,016Total interest expense
  • $9,767Net interest income
  • $1,375Provision for loan and lease losses
  • $1,128Total noninterest income
  • $0Fiduciary activities
  • $274Service charges on deposit accounts
  • $0Trading account gains & fees
  • $854Additional noninterest income
  • $5,580Total noninterest expense
  • $3,400Salaries and employee benefits
  • $291Premises and equipment expense
  • $1,889Additional noninterest expense
  • $3,940Pre-tax net operating income
  • $404Securities gains (losses)
  • $1,677Applicable income taxes
  • $2,667Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,667Net income attributable to bank
  • $0Net charge-offs
  • $2,667Cash dividends
  • $249Sale, conversion, retirement of capital stock, net
  • $327Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.85%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 4.02%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.29%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.70%Pretax return on assets
  • 12.14%Return on equity (ROE)
  • 10.65%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 552.21%Credit loss provision to net charge-offs
  • 21.35%Efficiency ratio
  • 51,216Assets per employee
  • 6.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.26%Loss allowance to loans
  • 2.74%Loss allowance to noncurrent loans
  • 491.92%Noncurrent assets plus other real estate owned to assets
  • 0.37%Noncurrent loans to loans
  • 0.56%Net loans and leases to deposits
  • 76.45%Net loans and leases to core deposits
  • 115.37%Equity capital to assets
  • 8.54%Core capital (leverage) ratio
  • 8.95%Tier 1 risk-based capital ratio
  • 12.57%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $255,203Average earning assets
  • $21,971Average equity
  • $243,145Average loans

List of branches

  • 14 Wisconsin Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    056211Capitol Bank710 North High Point Road, Madison, WI 53717October 09, 1995Full Service Brick and Mortar
    1423230Middleton Glen Branch6720 Century Avenue, Middleton, WI 53562October 01, 2003Limited Service Facility
    2423231Prairie Park Branch6530 Schroeder Road, Madison, WI 53711October 01, 2003Limited Service Facility
    3423232Sauk Gardens Branch8501 Old Sauk Road, Middleton, WI 53562October 01, 2003Limited Service Facility
    4423234Attic Angels Branch8301 Old Sauk Road, Middleton, WI 53562October 01, 2003Limited Service Facility
    5423235Coventry Village Branch7707 North Brookline Drive, Madison, WI 53719October 01, 2003Limited Service Facility
    6423236Rosewood Villas Branch902 North High Point Road, Madison, WI 53717October 01, 2003Limited Service Facility
    7447910108 East Verona Avenue Office108 East Verona Avenue, Verona, WI 53593January 30, 2006Full Service Brick and Mortar
    8449819Old Sauk Road Facility9401 Old Sauk Road, Middleton, WI 53562January 23, 2006Limited Service Facility
    9449820Chruch Street Facility304 Chruch Street, Verona, WI 53593January 23, 2006Limited Service Facility
    10449821North Edge Trail Facility1125 North Edge Trail, Verona, WI 53593January 23, 2006Limited Service Retail
    11449822Prairie Oaks Ii Branch325 Prairie Way Boulevard, Verona, WI 53593January 23, 2006Limited Service Facility
    12449823Prairie Oaks I Branch1049 Enterprise Drive, Verona, WI 53593January 23, 2006Limited Service Facility
    13452354Sebring Branch7710 South Brookline Drive, Madison, WI 53719January 23, 2006Limited Service Facility

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