First Capital Bank in city_name, state_name - Detailed Financial Reports, Location

First Capital Bank in Norcross, Georgia (GA)
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First Capital Bank - Overview

General
FDIC Certificate #: 27032
Status: Inactive
Closing history: Name Change
Acquiring institution: First Capital Bank (#32736)
Federal Reserve ID: 627135
Date Established: August 24, 1987
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 10405
FDIC's unique #: 38486
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: August 24, 1987
Last Structure Change Effective Date: August 13, 1993
Last Structure Change Process Date: September 02, 1993
Last Data Update: April 11, 1998
Data Source Date: April 05, 2012
Location
Address: 1725 Indian Trail Road, Norcross, GA 30093
County: Gwinnett
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
Merger - Without Assistance
Participated in Reorganization
Corrections
Name Change
Financial Summary
Total assets: $53.9 mil

Assets and Liabilities (December 31, 1992)

Dollar figures in thousands
0Total employees (full-time equivalent)
$20Total assets
$41,573Cash and due from depository institutions
$1,809Interest-bearing balances
$0Securities
$4,011Federal funds sold & reverse repurchase agreements
$3,600Net loans & leases
$30,197Loan loss allowance
$451Trading account assets
$0Bank premises and fixed assets
$1,547Other real estate owned
$63Goodwill and other intangibles
$346Life insurance assets
$0All other assets
$0Total liabilities and capital
$41,573Total liabilities
$38,428Total deposits
$38,070Interest-bearing deposits
$32,126Deposits held in domestic offices
38070.00%% insured (estimated)
$74Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$358Total equity capital
$358Total bank equity capital
$3,145Perpetual preferred stock
$0Common stock
$949Surplus
$3,195Undivided profits
Memoranda
$-999Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$208Income earned, not collected on loans
$216Earning assets
$37,808Long-term assets (5+ years)
$291Average Assets, year-to-date
$42,173Average Assets, quarterly
$42,076Volatile liabilities
$5,020Insider loans
$63FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$6,203Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,145Total risk weighted assets
$32,260Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1992)

Dollar figures in thousands
$0Total interest income
$3,390Total interest expense
$1,382Net interest income
$2,008Provision for loan and lease losses
$152Total noninterest income
$239Fiduciary activities
$0Service charges on deposit accounts
$80Trading account gains & fees
$0Additional noninterest income
$159Total noninterest expense
$1,664Salaries and employee benefits
$848Premises and equipment expense
$251Additional noninterest expense
$565Pre-tax net operating income
$431Securities gains (losses)
$0Applicable income taxes
$146Income before extraordinary items
$285Extraordinary gains - net
$146Net income attributable to bank
$431Net charge-offs
-$61Cash dividends
$0Sale, conversion, retirement of capital stock, net
$75Net operating income

Performance and Condition Ratios (December 31, 1992)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.36%Cost of funding earning assets
3.81%Net interest margin
5.54%Noninterest income to earning assets
0.66%Noninterest expense to earning assets
4.59%Net operating income to assets
0.68%Return on assets (ROA)
1.02%Pretax return on assets
1.37%Return on equity (ROE)
15.17%Retained earnings to average equity (YTD only)
15.17%Net charge-offs to loans
-0.22%Credit loss provision to net charge-offs
-249.18%Efficiency ratio
74,054Assets per employee
2.08%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.47%Loss allowance to noncurrent loans
216.83%Noncurrent assets plus other real estate owned to assets
0.65%Noncurrent loans to loans
0.68%Net loans and leases to deposits
79.32%Net loans and leases to core deposits
91.37%Equity capital to assets
7.57%Core capital (leverage) ratio
7.52%Tier 1 risk-based capital ratio
9.75%Total risk-based capital ratio
Memoranda
$11Average assets
$42,173Average earning assets
$2,842Average equity
$36,230Average loans

First Capital Bank in Norcross, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Capital Bank - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

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First Capital Bank in Norcross, Georgia (GA)Overview, Financial Summary, Detailed Financial Reports, Branches

First Capital Bank - Overview

Assets and Liabilities (December 31, 1992)

Income and Expense (December 31, 1992)

Performance and Condition Ratios (December 31, 1992)

Comment about this bank, ask questions, or add new information about it:

First Capital Bank in Norcross, Georgia (GA)
Overview, Financial Summary, Detailed Financial Reports, Branches