Community Bank of Cape Coral in Cape Coral, Florida (FL)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 25, 2009

  • Community Bank of Cape Coral in Cape Coral, Florida (FL)
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Community Bank of Cape Coral - Overview

  • General
  • FDIC Certificate #: 57796
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Community Bank of Southwest Florida (#34943)
    Federal Reserve ID: 3254185
    Date Established: August 11, 2004
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    FDIC's unique #: 425188
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: August 11, 2004
    Last Structure Change Effective Date: April 25, 2009
    Last Structure Change Process Date: May 20, 2009
    Last Data Update: May 20, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 61 Hancock Bridge Parkway West, Cape Coral, FL 33991
    County: Lee
    Quarterly Banking Profile Region: Atlanta
    FDIC Geographic Region: Atlanta
    FDIC Supervisory Region: Atlanta
    FDIC Field Office: South Florida
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Southeast
    Metropolitan Statistical Area (MSA): Fort Myers-Cape Coral, FL (#2700)
    Core Based Statistical Area (CBSA): Cape Coral-Fort Myers, FL (#15980)
    CBSA Metro Statistical Area: Cape Coral-Fort Myers, FL (#15980)
  • Financial Summary
  • Total assets: $98.8 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, 2008)

  • Dollar figures in thousands
  • 13Total employees (full-time equivalent)
  • $101,232Total assets
  • $1,683Cash and due from depository institutions
  • $186Interest-bearing balances
  • $7,630Securities
  • $1,079Federal funds sold & reverse repurchase agreements
  • $82,396Net loans & leases
  • $899Loan loss allowance
  • $0Trading account assets
  • $5,515Bank premises and fixed assets
  • $455Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $2,474All other assets
  • $101,232Total liabilities and capital
  • $94,569Total liabilities
  • $82,593Total deposits
  • $76,798Interest-bearing deposits
  • $82,593Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,631Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $9,029Other borrowed funds
  • $0Subordinated debt
  • $316All other liabilities
  • $6,663Total equity capital
  • $6,663Total bank equity capital
  • $6,663Perpetual preferred stock
  • $0Common stock
  • $4,925Surplus
  • $5,177Undivided profits
  • Memoranda
  • $-3,439Noncurrent loans and leases
  • $8,002Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $5,803Earning assets
  • $0Long-term assets (5+ years)
  • $339Average Assets, year-to-date
  • $91,291Average Assets, quarterly
  • $8,397Volatile liabilities
  • $91,576Insider loans
  • $96,152FHLB advances
  • $30,705Loans and leases held for sale
  • $8,065Unused loan commitments
  • $8,700Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $8,002Total unused commitments
  • $1,449Restructured Loans and leases
  • $900Derivatives

Income and Expense (December 31, 2008)

  • Dollar figures in thousands
  • $5,110Total interest income
  • $2,798Total interest expense
  • $2,312Net interest income
  • $2,467Provision for loan and lease losses
  • $7Total noninterest income
  • $0Fiduciary activities
  • $76Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$69Additional noninterest income
  • $3,053Total noninterest expense
  • $1,567Salaries and employee benefits
  • $614Premises and equipment expense
  • $872Additional noninterest expense
  • -$3,201Pre-tax net operating income
  • $0Securities gains (losses)
  • -$1,196Applicable income taxes
  • -$2,005Income before extraordinary items
  • $0Extraordinary gains - net
  • -$2,005Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $2,420Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2008)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.22%Yield on earning assets
  • 3.40%Cost of funding earning assets
  • 2.81%Net interest margin
  • 0.01%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • -2.19%Net operating income to assets
  • -2.19%Return on assets (ROA)
  • -3.50%Pretax return on assets
  • -25.74%Return on equity (ROE)
  • -25.74%Retained earnings to average equity (YTD only)
  • 3.32%Net charge-offs to loans
  • 101.94%Credit loss provision to net charge-offs
  • -0.30%Efficiency ratio
  • 131,652Assets per employee
  • 7.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.08%Loss allowance to noncurrent loans
  • 15.49%Noncurrent assets plus other real estate owned to assets
  • 6.18%Noncurrent loans to loans
  • 6.97%Net loans and leases to deposits
  • 99.76%Net loans and leases to core deposits
  • 136.83%Equity capital to assets
  • 6.58%Core capital (leverage) ratio
  • 6.99%Tier 1 risk-based capital ratio
  • 7.52%Total risk-based capital ratio
  • Memoranda
  • $9Average assets
  • $91,576Average earning assets
  • $7,789Average equity
  • $82,192Average loans

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