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

First Capital Bank in Bennettsville, South Carolina (SC), NC
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First Capital Bank - Overview

General
FDIC Certificate #: 34966
Status: Active
Federal Reserve ID: 2849463
Date Established: September 27, 1999
WWW: http://www.fcbcarolinas.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: Yes)
OTS Docket #: 15575
FDIC's unique #: 62140
Numeric code: 33
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: September 27, 1999
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 207 Highway 15-401 By-Pass East, Bennettsville, SC 29512
County: Marlboro
Quarterly Banking Profile Region: Atlanta
FDIC Geographic Region: Atlanta
FDIC Supervisory Region: Atlanta
FDIC Field Office: Columbia Sc
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Southeast
Core Based Statistical Area (CBSA): Bennettsville, SC (#13500)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $62.0 mil
Equity capital: $6.8 mil
Deposits held in domestic offices: $55.0 mil
Return on assets (ROA): 0.20% ($0.1 mil)
Quarterly return on assets: 0.72% ($0.4 mil)
Return on Equity (ROE): 1.89% ($0.1 mil)
Quarterly return on equity: 6.66% ($0.5 mil)
Net income: $0.1 mil
Quarterly Net income: $0.1 mil
Pretax return on assets: 0.34% ($210.7 mil)
Quarterly Pretax return on assets: 1.20% ($743.5 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
24Total employees (full-time equivalent)
$61,959Total assets
$1,717Cash and due from depository institutions
$158Interest-bearing balances
$22Securities
$4,474Federal funds sold & reverse repurchase agreements
$52,687Net loans & leases
$1,069Loan loss allowance
$0Trading account assets
$149Bank premises and fixed assets
$1,555Other real estate owned
$0Goodwill and other intangibles
$61,959Life insurance assets
$1,355All other assets
$55,173Total liabilities and capital
$55,014Total liabilities
$52,423Total deposits
$55,014Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$159Subordinated debt
$6,786All other liabilities
$6,786Total equity capital
$6,786Total bank equity capital
$0Perpetual preferred stock
$2,328Common stock
$2,438Surplus
$2,020Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$974Income earned, not collected on loans
$0Earning assets
$318Long-term assets (5+ years)
$57,341Average Assets, year-to-date
$0Average Assets, quarterly
$62,895Volatile liabilities
$62,373Insider loans
$46,863FHLB advances
$61,959Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$6,786Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,033Restructured Loans and leases
$2,560Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$4,033Total interest income
$845Total interest expense
$3,188Net interest income
$1,145Provision for loan and lease losses
$355Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$355Additional noninterest income
$2,184Total noninterest expense
$1,232Salaries and employee benefits
$513Premises and equipment expense
$439Additional noninterest expense
$214Pre-tax net operating income
$0Securities gains (losses)
$86Applicable income taxes
$128Income before extraordinary items
$0Extraordinary gains - net
$128Net income attributable to bank
$0Net charge-offs
$128Cash dividends
$887Sale, conversion, retirement of capital stock, net
$51Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.92%Yield on earning assets
1.45%Cost of funding earning assets
5.47%Net interest margin
0.61%Noninterest income to earning assets
3.75%Noninterest expense to earning assets
0.20%Net operating income to assets
0.20%Return on assets (ROA)
0.34%Pretax return on assets
1.89%Return on equity (ROE)
1.13%Retained earnings to average equity (YTD only)
1.58%Net charge-offs to loans
129.09%Credit loss provision to net charge-offs
1.53%Efficiency ratio
61,643Assets per employee
2.58%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.84%Loss allowance to loans
1.99%Loss allowance to noncurrent loans
109.75%Noncurrent assets plus other real estate owned to assets
4.08%Noncurrent loans to loans
1.81%Net loans and leases to deposits
95.77%Net loans and leases to core deposits
130.93%Equity capital to assets
10.95%Core capital (leverage) ratio
10.95%Tier 1 risk-based capital ratio
14.48%Total risk-based capital ratio
Memoranda
$16Average assets
$62,895Average earning assets
$6,786Average equity
$58,284Average loans

List of branches

1 North Carolina Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
1	359307	909 South Main Street Branch	909 South Main Street, Laurinburg, NC 28352	January 17, 2001	Full Service Brick and Mortar

1 South Carolina Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	62140	First Capital Bank	207 Highway 15-401 By-Pass East, Bennettsville, SC 29512	September 27, 1999	Full Service Brick and Mortar

First Capital Bank in Bennettsville, South Carolina (SC), NC
Overview, Financial Summary, Detailed Financial Reports, Branches

First Capital Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First Capital Bank in Bennettsville, South Carolina (SC), NCOverview, Financial Summary, Detailed Financial Reports, Branches

First Capital Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First Capital Bank in Bennettsville, South Carolina (SC), NC
Overview, Financial Summary, Detailed Financial Reports, Branches