Capitol National Bank in Lansing, Michigan (MI)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Capitol National Bank in Lansing, Michigan (MI)
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Capitol National Bank - Overview

  • General
  • FDIC Certificate #: 24199
    Status: Active
    Federal Reserve ID: 285544
    Bank Holding Company (Regulatory Top Holder): Capitol Bancorp Ltd. (RSSDID: 1247334, Location: Lansing, MI)
    Date Established: November 22, 1982
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 16852
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: November 22, 1982
    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: 200 Washington Square North, Lansing, MI 48933
    County: Ingham
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Detroit
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Central
    Metropolitan Statistical Area (MSA): Lansing-East Lansing, MI (#4040)
    Combined Statistical Area (CSA): Lansing-East Lansing-Owosso, MI (#330)
    Core Based Statistical Area (CBSA): Lansing-East Lansing, MI (#29620)
    CBSA Metro Statistical Area: Lansing-East Lansing, MI (#29620)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $153.9 mil
    Equity capital: $10.9 mil
    Deposits held in domestic offices: $142.9 mil
    Return on assets (ROA): 0.25% ($0.4 mil)
    Quarterly return on assets: 0.53% ($0.8 mil)
    Return on Equity (ROE): 3.66% ($0.4 mil)
    Quarterly return on equity: 7.62% ($0.8 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.25% ($384.8 mil)
    Quarterly Pretax return on assets: 0.53% ($815.9 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
  • 33Total employees (full-time equivalent)
  • $153,938Total assets
  • $33,206Cash and due from depository institutions
  • $30,626Interest-bearing balances
  • $0Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $116,248Net loans & leases
  • $3,681Loan loss allowance
  • $0Trading account assets
  • $672Bank premises and fixed assets
  • $2,338Other real estate owned
  • $0Goodwill and other intangibles
  • $153,938Life insurance assets
  • $1,474All other assets
  • $143,078Total liabilities and capital
  • $142,853Total liabilities
  • $107,317Total deposits
  • $142,853Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $225Subordinated debt
  • $10,860All other liabilities
  • $10,860Total equity capital
  • $10,860Total bank equity capital
  • $0Perpetual preferred stock
  • $1,706Common stock
  • $6,976Surplus
  • $2,178Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $12,423Income earned, not collected on loans
  • $142Earning assets
  • $348Long-term assets (5+ years)
  • $146,874Average Assets, year-to-date
  • $11,089Average Assets, quarterly
  • $155,882Volatile liabilities
  • $153,784Insider loans
  • $118,732FHLB advances
  • $157,344Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $10,860Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $15,829Restructured Loans and leases
  • $16,871Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,750Total interest income
  • $1,091Total interest expense
  • $6,659Net interest income
  • $6Provision for loan and lease losses
  • $72Total noninterest income
  • $0Fiduciary activities
  • $442Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$370Additional noninterest income
  • $6,338Total noninterest expense
  • $2,085Salaries and employee benefits
  • $610Premises and equipment expense
  • $3,643Additional noninterest expense
  • $387Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $387Income before extraordinary items
  • $0Extraordinary gains - net
  • $387Net income attributable to bank
  • $0Net charge-offs
  • $387Cash dividends
  • $2,301Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 0.75%Cost of funding earning assets
  • 4.56%Net interest margin
  • 0.05%Noninterest income to earning assets
  • 4.34%Noninterest expense to earning assets
  • 0.25%Net operating income to assets
  • 0.25%Return on assets (ROA)
  • 0.25%Pretax return on assets
  • 3.66%Return on equity (ROE)
  • 3.66%Retained earnings to average equity (YTD only)
  • 1.77%Net charge-offs to loans
  • 0.26%Credit loss provision to net charge-offs
  • 0.17%Efficiency ratio
  • 94,161Assets per employee
  • 4.66%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.07%Loss allowance to noncurrent loans
  • 29.63%Noncurrent assets plus other real estate owned to assets
  • 9.59%Noncurrent loans to loans
  • 10.36%Net loans and leases to deposits
  • 81.38%Net loans and leases to core deposits
  • 85.52%Equity capital to assets
  • 7.05%Core capital (leverage) ratio
  • 6.90%Tier 1 risk-based capital ratio
  • 9.15%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $155,882Average earning assets
  • $10,568Average equity
  • $146,072Average loans

List of branches

  • 3 Michigan Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016852Capitol National Bank200 Washington Square North, Lansing, MI 48933November 22, 1982Full Service Brick and Mortar
    1257061Meridian Branch4792 Marsh Road, Okemos, MI 48864September 05, 1989Full Service Brick and Mortar
    2418776Capitol National Bank Branch644 Migaldi Drive, Lansing, MI 48917March 04, 2003Limited Service Retail

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