FDIC Certificate #: 33199 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Carver Federal Savings Bank (#30394) Federal Reserve ID: 1718517 Date Established: November 26, 1990 WWW:http://www.communitycapitalbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 2 (Interstate: No) OTS Docket #: 9782 FDIC's unique #: 46439 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: November 26, 1990 Last Structure Change Effective Date: September 29, 2006 Last Structure Change Process Date: October 16, 2006 Last Data Update: October 16, 2006 Data Source Date: April 05, 2012
Location
Address: 111 Livingston Street, Brooklyn, NY 11201 County: Kings Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: New York City Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): New York, NY (#5600) Consolidated Metropolitan Statistical Area (CMSA): New York-Northern New Jersey-Long Island, NY-NJ-CT-PA (#70) Combined Statistical Area (CSA): New York-Newark-Bridgeport, NY-NJ-CT-PA (#408) Core Based Statistical Area (CBSA): New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) CBSA Metro Statistical Area: New York-Northern New Jersey-Long Island, NY-NJ-PA (#35620) Core Based Statistical Division: New York-White Plains-Wayne, NY-NJ (#35644)
Financial Summary
Total assets: $166.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2005)
Dollar figures in thousands
43Total employees (full-time equivalent)
$162,400Total assets
$7,457Cash and due from depository institutions
$3,614Interest-bearing balances
$46,498Securities
$3,500Federal funds sold & reverse repurchase agreements
$99,184Net loans & leases
$2,030Loan loss allowance
$0Trading account assets
$1,367Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$4,394All other assets
$162,400Total liabilities and capital
$154,912Total liabilities
$140,146Total deposits
$121,963Interest-bearing deposits
$140,146Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$13,300Other borrowed funds
$0Subordinated debt
$1,466All other liabilities
$7,488Total equity capital
$7,488Total bank equity capital
$7,488Perpetual preferred stock
$0Common stock
$2,692Surplus
$3,985Undivided profits
Memoranda
$811Noncurrent loans and leases
$13,505Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,547Earning assets
$0Long-term assets (5+ years)
$1,038Average Assets, year-to-date
$152,796Average Assets, quarterly
$47,223Volatile liabilities
$160,986Insider loans
$163,043FHLB advances
$75,786Loans and leases held for sale
$5Unused loan commitments
$13,300Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$13,505Total unused commitments
$0Restructured Loans and leases
$1,226Derivatives
Income and Expense (December 31, 2005)
Dollar figures in thousands
$9,619Total interest income
$3,722Total interest expense
$5,897Net interest income
$1,087Provision for loan and lease losses
$1,130Total noninterest income
$0Fiduciary activities
$380Service charges on deposit accounts
$0Trading account gains & fees
$750Additional noninterest income
$5,593Total noninterest expense
$2,692Salaries and employee benefits
$747Premises and equipment expense
$2,154Additional noninterest expense
$347Pre-tax net operating income
-$92Securities gains (losses)
$51Applicable income taxes
$204Income before extraordinary items
$0Extraordinary gains - net
$204Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$746Sale, conversion, retirement of capital stock, net
$52Net operating income
Performance and Condition Ratios (December 31, 2005)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.28%Yield on earning assets
2.43%Cost of funding earning assets
3.85%Net interest margin
0.74%Noninterest income to earning assets
3.65%Noninterest expense to earning assets
0.17%Net operating income to assets
0.13%Return on assets (ROA)
0.16%Pretax return on assets
2.64%Return on equity (ROE)
1.97%Retained earnings to average equity (YTD only)
0.79%Net charge-offs to loans
145.71%Credit loss provision to net charge-offs
1.92%Efficiency ratio
79,593Assets per employee
3.78%Cash dividends to net income (YTD only)
Condition Ratios (%)
25.49%Loss allowance to loans
2.01%Loss allowance to noncurrent loans
131.22%Noncurrent assets plus other real estate owned to assets
0.95%Noncurrent loans to loans
1.53%Net loans and leases to deposits
70.77%Net loans and leases to core deposits
127.72%Equity capital to assets
4.61%Core capital (leverage) ratio
5.05%Tier 1 risk-based capital ratio
8.53%Total risk-based capital ratio
Memoranda
$10Average assets
$160,986Average earning assets
$7,732Average equity
$153,126Average loans
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