Capitol City Bank & Trust Company in Atlanta, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Capitol City Bank & Trust Company - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 81Total employees (full-time equivalent)
  • $296,251Total assets
  • $7,666Cash and due from depository institutions
  • $636Interest-bearing balances
  • $42,414Securities
  • $595Federal funds sold & reverse repurchase agreements
  • $215,464Net loans & leases
  • $4,972Loan loss allowance
  • $0Trading account assets
  • $9,131Bank premises and fixed assets
  • $18,309Other real estate owned
  • $0Goodwill and other intangibles
  • $296,251Life insurance assets
  • $2,672All other assets
  • $283,575Total liabilities and capital
  • $276,946Total liabilities
  • $248,464Total deposits
  • $276,946Interest-bearing deposits
  • $96Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,500Trading liabilities
  • $0Other borrowed funds
  • $1,129Subordinated debt
  • $12,676All other liabilities
  • $12,676Total equity capital
  • $12,676Total bank equity capital
  • $0Perpetual preferred stock
  • $3,193Common stock
  • $22,057Surplus
  • $-12,574Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $25,716Income earned, not collected on loans
  • $0Earning assets
  • $1,088Long-term assets (5+ years)
  • $259,109Average Assets, year-to-date
  • $49,880Average Assets, quarterly
  • $299,261Volatile liabilities
  • $296,917Insider loans
  • $257,884FHLB advances
  • $298,798Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,603Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,196Restructured Loans and leases
  • $2,845Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,614Total interest income
  • $5,552Total interest expense
  • $9,062Net interest income
  • $2,495Provision for loan and lease losses
  • $1,800Total noninterest income
  • $0Fiduciary activities
  • $1,386Service charges on deposit accounts
  • $0Trading account gains & fees
  • $414Additional noninterest income
  • $9,567Total noninterest expense
  • $3,646Salaries and employee benefits
  • $1,181Premises and equipment expense
  • $4,740Additional noninterest expense
  • -$1,200Pre-tax net operating income
  • $404Securities gains (losses)
  • $0Applicable income taxes
  • -$796Income before extraordinary items
  • $0Extraordinary gains - net
  • -$796Net income attributable to bank
  • $0Net charge-offs
  • -$796Cash dividends
  • $2,747Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.47%Yield on earning assets
  • 2.08%Cost of funding earning assets
  • 3.39%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 3.58%Noninterest expense to earning assets
  • -0.40%Net operating income to assets
  • -0.27%Return on assets (ROA)
  • -0.27%Pretax return on assets
  • -6.07%Return on equity (ROE)
  • -6.07%Retained earnings to average equity (YTD only)
  • 1.20%Net charge-offs to loans
  • 90.83%Credit loss provision to net charge-offs
  • 0.47%Efficiency ratio
  • 88,078Assets per employee
  • 3.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.26%Loss allowance to noncurrent loans
  • 19.33%Noncurrent assets plus other real estate owned to assets
  • 14.86%Noncurrent loans to loans
  • 11.67%Net loans and leases to deposits
  • 77.80%Net loans and leases to core deposits
  • 85.51%Equity capital to assets
  • 4.28%Core capital (leverage) ratio
  • 4.22%Tier 1 risk-based capital ratio
  • 4.89%Total risk-based capital ratio
  • Memoranda
  • $6Average assets
  • $299,261Average earning assets
  • $13,103Average equity
  • $267,009Average loans

List of branches

  • 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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