Capitol City Bank & Trust Company in Atlanta, Georgia (GA)



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Capitol City Bank & Trust Company routing number info

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Capitol City Bank & Trust Company
GeneralFDIC Certificate #: 33938
Status: Active
Federal Reserve ID: 2243977
Bank Holding Company (Regulatory Top Holder): Capitol City Bancshares, Inc. (RSSDID: 2710675, Location: Atlanta, GA)
Date Established: October 03, 1994
WWW: http://www.capitolcitybank-atl.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Domestic: 8, Interstate: No)
FDIC's unique #: 55107
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 03, 1994
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
LocationAddress: 562 Lee Street, S.W., Atlanta, GA 30310
County: Fulton
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Atlanta
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Southeast
Metropolitan Statistical Area (MSA): Atlanta, GA (#520)
Combined Statistical Area (CSA): Atlanta-Sandy Springs-Gainesville, GA-AL (#122)
Core Based Statistical Area (CBSA): Atlanta-Sandy Springs-Marietta, GA (#12060)
CBSA Metro Statistical Area: Atlanta-Sandy Springs-Marietta, GA (#12060)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $296.3 mil
Equity capital: $12.7 mil
Deposits held in domestic offices: $276.9 mil
Return on assets (ROA): -0.27% (-$0.8 mil)
Quarterly return on assets: 0.33% ($1.0 mil)
Return on Equity (ROE): -6.07% (-$0.8 mil)
Quarterly return on equity: 7.78% ($1.0 mil)
Net income: -$0.8 mil
Quarterly Net income: $0.2 mil
Pretax return on assets: -0.27% (-$799.9 mil)
Quarterly Pretax return on assets: 0.33% ($977.6 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)
Total employees (full-time equivalent)81
Total assets$296,251
Cash and due from depository institutions$7,666
Interest-bearing balances$636
Securities$42,414
Federal funds sold & reverse repurchase agreements$595
Net loans & leases$215,464
Loan loss allowance $4,972
Trading account assets$0
Bank premises and fixed assets$9,131
Other real estate owned$18,309
Goodwill and other intangibles$0
All other assets$2,672
Life insurance assets$296,251
Total liabilities and capital$283,575
Total liabilities$276,946
Total deposits$248,464
Interest-bearing deposits$276,946
Deposits held in domestic offices$96
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,500
Other borrowed funds $0
Subordinated debt $1,129
All other liabilities $12,676
Total equity capital$12,676
Total bank equity capital$12,676
Perpetual preferred stock$0
Common stock$3,193
Surplus$22,057
Undivided profits $-12,574
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 $25,716
Earning assets $0
Long-term assets (5+ years) $1,088
Average Assets, year-to-date $259,109
Average Assets, quarterly $49,880
Volatile liabilities $299,261
Insider loans $296,917
FHLB advances $257,884
Loans and leases held for sale $298,798
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $12,603
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $4,196
Derivatives$2,845
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,614
Total interest expense $5,552
Net interest income $9,062
Provision for loan and lease losses $2,495
Total noninterest income $1,800
Fiduciary activities $0
Service charges on deposit accounts $1,386
Trading account gains & fees $0
Additional noninterest income $414
Total noninterest expense $9,567
Salaries and employee benefits $3,646
Premises and equipment expense $1,181
Additional noninterest expense $4,740
Pre-tax net operating income -$1,200
Securities gains (losses) $404
Applicable income taxes $0
Income before extraordinary items -$796
Extraordinary gains - net $0
Net income attributable to bank -$796
Net charge-offs $0
Cash dividends -$796
Sale, conversion, retirement of capital stock, net $2,747
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.47%
Cost of funding earning assets 2.08%
Net interest margin 3.39%
Noninterest income to earning assets 0.67%
Noninterest expense to earning assets 3.58%
Net operating income to assets -0.40%
Return on assets (ROA) -0.27%
Pretax return on assets -0.27%
Return on equity (ROE) -6.07%
Retained earnings to average equity (YTD only) -6.07%
Net charge-offs to loans 1.20%
Credit loss provision to net charge-offs 90.83%
Efficiency ratio0.47%
Assets per employee$88,078
Cash dividends to net income (YTD only)3.66%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 2.26%
Noncurrent assets plus other real estate owned to assets 19.33%
Noncurrent loans to loans 14.86%
Net loans and leases to deposits11.67%
Net loans and leases to core deposits 77.80%
Equity capital to assets 85.51%
Core capital (leverage) ratio 4.28%
Tier 1 risk-based capital ratio 4.22%
Total risk-based capital ratio 4.89%
Memoranda
Average assets$6
Average earning assets$299,261
Average equity $13,103
Average loans $267,009
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8 Georgia Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
055107Capitol City Bank & Trust Company562 Lee Street, S.W., Atlanta, GA 30310October 03, 1994Full Service Brick and Mortar
1290231Cascade Road Branch2358 Cascade Road, Atlanta, GA 30311October 03, 1994Full Service Brick and Mortar
3290233Stone Mountain Office5674 Memorial Drive, Stone Mountain, GA 30083November 02, 1998Full Service Brick and Mortar
4290234Hartsfield Atlanta Airport Branch2000 Terminal Road, Atlanta, GA 30320June 12, 1996Full Service Brick and Mortar
5365278Albany Office Branch301 W. Oglethorpe Blvd, Albany, GA 31707July 23, 2001Full Service Brick and Mortar
6428069Savannah Branch339 Martin Luther King Boulevard, Savannah, GA 31401January 30, 2004Full Service Brick and Mortar
7442309Augusta Branch1268 Broad Street, Augusta, GA 30901January 28, 2005Full Service Brick and Mortar
8478510Peachtree Branch94 Peachtree Street, Atlanta, GA 30303October 03, 2007Full Service Brick and Mortar
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