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 #: 32736
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: FLAG Bank (#186)
Federal Reserve ID: 627135
Date Established: December 18, 1989
WWW: http://www.fcbusa.com
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
OTS Docket #: 12062
FDIC's unique #: 45602
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: December 18, 1989
Last Structure Change Effective Date: December 02, 2005
Last Structure Change Process Date: December 12, 2005
Last Data Update: December 12, 2005
Data Source Date: April 05, 2012
Location
Address: 3320 Holcomb Bridge Road, Northwest, Ste. A, Norcross, GA 30092
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)
Financial Summary
Total assets: $670.7 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, 2004)

Dollar figures in thousands
104Total employees (full-time equivalent)
$657,443Total assets
$14,937Cash and due from depository institutions
$1,473Interest-bearing balances
$137,378Securities
$376Federal funds sold & reverse repurchase agreements
$478,533Net loans & leases
$6,049Loan loss allowance
$0Trading account assets
$1,053Bank premises and fixed assets
$0Other real estate owned
$7,727Goodwill and other intangibles
$0Life insurance assets
$17,439All other assets
$657,443Total liabilities and capital
$594,930Total liabilities
$458,751Total deposits
$381,330Interest-bearing deposits
$458,751Deposits held in domestic offices
0.00%% insured (estimated)
$11,210Federal funds purchased & repurchase agreements
$0Trading liabilities
$120,488Other borrowed funds
$0Subordinated debt
$4,481All other liabilities
$62,513Total equity capital
$62,513Total bank equity capital
$62,513Perpetual preferred stock
$0Common stock
$5,543Surplus
$52,217Undivided profits
Memoranda
$4,753Noncurrent loans and leases
$179,788Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$1,629Earning assets
$1,308Long-term assets (5+ years)
$2,521Average Assets, year-to-date
$617,760Average Assets, quarterly
$96,557Volatile liabilities
$640,816Insider loans
$660,298FHLB advances
$145,972Loans and leases held for sale
$8,421Unused loan commitments
$120,488Tier 1 (core) risk-based capital
$5,000Tier 2 risk-based capital
$369Total risk weighted assets
$179,788Total unused commitments
$0Restructured Loans and leases
$6,049Derivatives

Income and Expense (December 31, 2004)

Dollar figures in thousands
$29,590Total interest income
$10,131Total interest expense
$19,459Net interest income
$1,325Provision for loan and lease losses
$944Total noninterest income
$0Fiduciary activities
$92Service charges on deposit accounts
$0Trading account gains & fees
$852Additional noninterest income
$12,127Total noninterest expense
$7,202Salaries and employee benefits
$1,115Premises and equipment expense
$3,810Additional noninterest expense
$6,951Pre-tax net operating income
-$32Securities gains (losses)
$2,491Applicable income taxes
$4,428Income before extraordinary items
$0Extraordinary gains - net
$4,428Net income attributable to bank
$0Net charge-offs
$0Cash dividends
-$2Sale, conversion, retirement of capital stock, net
$1,461Net operating income

Performance and Condition Ratios (December 31, 2004)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.90%Yield on earning assets
1.68%Cost of funding earning assets
3.22%Net interest margin
0.16%Noninterest income to earning assets
2.01%Noninterest expense to earning assets
0.69%Net operating income to assets
0.69%Return on assets (ROA)
1.08%Pretax return on assets
8.06%Return on equity (ROE)
5.40%Retained earnings to average equity (YTD only)
-0.00%Net charge-offs to loans
-66250.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
58,594Assets per employee
6.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
32.99%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
371.33%Noncurrent assets plus other real estate owned to assets
0.25%Noncurrent loans to loans
0.34%Net loans and leases to deposits
104.31%Net loans and leases to core deposits
147.70%Equity capital to assets
9.51%Core capital (leverage) ratio
8.37%Tier 1 risk-based capital ratio
10.08%Total risk-based capital ratio
Memoranda
$11Average assets
$640,816Average earning assets
$54,937Average equity
$603,395Average loans

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

First Capital Bank - Overview

Assets and Liabilities (December 31, 2004)

Income and Expense (December 31, 2004)

Performance and Condition Ratios (December 31, 2004)

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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, 2004)

Income and Expense (December 31, 2004)

Performance and Condition Ratios (December 31, 2004)

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