Capstone Bank in Tuscaloosa, Alabama (AL)
Overview, Financial Summary, Detailed Financial Reports, Branches


Capstone Bank - Overview

  • General
  • FDIC Certificate #: 22769
    Status: Active
    Federal Reserve ID: 450034
    Bank Holding Company (Regulatory Top Holder): Capstone Bancshares, Inc. (RSSDID: 3681277, Location: Tuscaloosa, AL)
    Date Established: December 15, 1978
    WWW: http://www.capstonebankal.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)
    OTS Docket #: 15607
    FDIC's unique #: 15898
    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: December 15, 1978
    Last Structure Change Effective Date: March 21, 2011
    Last Structure Change Process Date: March 21, 2011
    Last Data Update: March 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 2301 University Boulevard, Tuscaloosa, AL 35401
    County: Tuscaloosa
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: Shelby
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Tuscaloosa, AL (#8600)
    Core Based Statistical Area (CBSA): Tuscaloosa, AL (#46220)
    CBSA Metro Statistical Area: Tuscaloosa, AL (#46220)
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $382.0 mil
    Equity capital: $42.3 mil
    Deposits held in domestic offices: $327.4 mil
    Return on assets (ROA): 0.77% ($2.9 mil)
    Quarterly return on assets: 1.54% ($5.9 mil)
    Return on Equity (ROE): 7.12% ($3.0 mil)
    Quarterly return on equity: 14.26% ($6.0 mil)
    Net income: $2.9 mil
    Quarterly Net income: $1.5 mil
    Pretax return on assets: 1.09% ($4,163.9 mil)
    Quarterly Pretax return on assets: 2.34% ($8,939.1 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
  • 96Total employees (full-time equivalent)
  • $382,012Total assets
  • $20,633Cash and due from depository institutions
  • $9,621Interest-bearing balances
  • $30,159Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $295,494Net loans & leases
  • $3,739Loan loss allowance
  • $0Trading account assets
  • $17,496Bank premises and fixed assets
  • $168Other real estate owned
  • $6,152Goodwill and other intangibles
  • $382,012Life insurance assets
  • $11,910All other assets
  • $339,729Total liabilities and capital
  • $327,383Total liabilities
  • $294,586Total deposits
  • $327,383Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,202Trading liabilities
  • $0Other borrowed funds
  • $3,144Subordinated debt
  • $42,283All other liabilities
  • $42,283Total equity capital
  • $42,283Total bank equity capital
  • $0Perpetual preferred stock
  • $40Common stock
  • $39,773Surplus
  • $2,470Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,963Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,084Income earned, not collected on loans
  • $0Earning assets
  • $1,330Long-term assets (5+ years)
  • $335,274Average Assets, year-to-date
  • $57,493Average Assets, quarterly
  • $373,200Volatile liabilities
  • $384,300Insider loans
  • $309,134FHLB advances
  • $376,120Loans and leases held for sale
  • $8,180Unused loan commitments
  • $655Tier 1 (core) risk-based capital
  • $35,697Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,525Total unused commitments
  • $54,060Restructured Loans and leases
  • $37,742Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $18,117Total interest income
  • $4,443Total interest expense
  • $13,674Net interest income
  • $1,194Provision for loan and lease losses
  • $2,819Total noninterest income
  • $0Fiduciary activities
  • $1,030Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,789Additional noninterest income
  • $11,271Total noninterest expense
  • $5,791Salaries and employee benefits
  • $1,854Premises and equipment expense
  • $3,626Additional noninterest expense
  • $4,028Pre-tax net operating income
  • $36Securities gains (losses)
  • $1,200Applicable income taxes
  • $2,864Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,864Net income attributable to bank
  • $0Net charge-offs
  • $2,864Cash dividends
  • $577Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.51%Yield on earning assets
  • 1.35%Cost of funding earning assets
  • 4.16%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 3.43%Noninterest expense to earning assets
  • 0.76%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.09%Pretax return on assets
  • 7.12%Return on equity (ROE)
  • 7.12%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 206.93%Credit loss provision to net charge-offs
  • 9.05%Efficiency ratio
  • 67,489Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 179.41%Noncurrent assets plus other real estate owned to assets
  • 0.59%Noncurrent loans to loans
  • 0.70%Net loans and leases to deposits
  • 90.26%Net loans and leases to core deposits
  • 98.23%Equity capital to assets
  • 11.07%Core capital (leverage) ratio
  • 9.49%Tier 1 risk-based capital ratio
  • 11.55%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $373,200Average earning assets
  • $40,251Average equity
  • $328,956Average loans

List of branches

  • 8 Alabama Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015898Capstone Bank2301 University Boulevard, Tuscaloosa, AL 35401December 15, 1978Full Service Brick and Mortar
    1255229Leroy Branch27188 State Highway 43, Leroy, AL 36548October 13, 1980Full Service Brick and Mortar
    2255230Chatom BranchHighways 56 And 17, Chatom, AL 36518May 10, 1983Full Service Brick and Mortar
    4480604Mcintosh Branch100 River Road, Mc Intosh, AL 36553March 05, 2008Full Service Brick and Mortar
    6359256Indian Hills Branch230 Mcfarland Circle North, Tuscaloosa, AL 35406December 01, 1999Full Service Brick and Mortar
    7486603Thomasville Branch33007 Us Highway 43, Thomasville, AL 36784July 28, 2008Full Service Retail
    8506571Northport Branch2000 Lurleen B. Wallace Boulevard, Northport, AL 35476March 22, 2010Full Service Brick and Mortar
    9516678Jackson Branch1600 College Avenue, Jackson, AL 36545Febuary 07, 2011Full Service Brick and Mortar

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